商业银行信用风险产生的原因及其防范7400摘要商业银行出现之后，就出现了风险。伴随银行业和金融行业的发展，行业竞争更加激励，银行产业的风险更加繁杂。特别是在二十世纪八十年代以后，银行风险管理理论开始增加，科技得到持续创新，银行产业的竞争更加激励，存贷利差持续减少，衍生金融工具开始普及，操作以及系统风险等逐渐变成银行风险分析的关键。即使在资本市场持续健全的现在，银行贷款还是市场融资的关键方式，信用风险还是银行风险防范的关键部分。本文第一章叙述分析背景以及现实作用，国内外分析现实情况；第二章叙述国内商业银行信用风险有关理论探究；第三章叙述国内此类信用风险出现的因素第四章叙述国内此类信用风险预防方式；第五章叙述结论。关键词：信用风险；风险产生原因；防范对策ABSTRACTSincethecommercialbankswereborn,theriskshavebeenaccompaniedbythem.Withthedevelopmentofthebankingindustryandmarketcompetition,therisksofthebankingindustrybecomemoreandmorecomplex.Especiallyafter1980s,thebankriskmanagementideaandtechnologyinnovation,competitioninthebankingsectorspreadsgraduallynarrowing,cruel,derivativefinancialinstrumentsarewidelyused,operationrisk,systemriskhasgraduallybecomethefocusonbankrisk.Eveninthecapitalmarketisbecomingmoreperfecttoday,bankloansarestillthemainmeansofmarketfinancing,creditriskisstillthetoppriorityofbankriskprevention.Thefirstchapteristhebackgroundandsignificanceofthetopic,thedomesticandforeignresearchstatus;thesecondchapterisaboutthetheoreticalanalysisofChinesecommercialbankcreditrisk;thethirdchapterisaboutthereasonsofcreditriskofcommercialbanksinChina;thefourthchapterisaboutourcountrycommercialbankcreditriskpreventionmeasures;thefifthchapterpartistheconclusion.Keywords:CreditRisk;RiskCauses;Countermeasures目录1绪论..............................................................................................................................................51.1选题背景与意义................................................................................................................51.1.1选题背景................................................................................................................51.1.2选题意义................................................................................................................51.2国内外研究现状................................................................................................................61.2.1国外研究现状..........................................................................................................61.2.2国内研究现状........................................................................................................61.2.3国内外研究现状评述............................................................................................72我国商业银行信用风险现状.......................................................................................................72.1行业市场结构垄断性强，市场份额集中........................................................................72.2不良贷款相关指标呈上升趋势........................................................................................72.3构建了基于RAROC的决策与评价机制..........................................................................82.4市场经济条件下投资主体的多元化................................................................................93我国商业银行信用风险产生的原因...........................................................................
