中文摘要摘要：对于目前正在发展阶段的商业银行以及金融机构所处大环境下的问题,还有因此种环境面领的各种的风险,都会对正在发展中的该行业造成一定程度的影响,而其中最尤为突出的便是消费信贷人群的对信贷的看法和用法所造成的影响消费信贷。儿消费信贷所占市场的百分比、商行和其他金融机构对于自身的管控能力的大小以及他们自身对风险管控的程度,这些毫无疑问斗士队商行最主要竞争力有着极其重要的影响。因而,当前形势下的信贷风险,商业银行的主要风险无可厚非的就是信贷风险,如果商行或者金融机构对于这项基本业务的不重视、管控缺乏等情况,将会直接影响其经营甚至毁灭。对于基本业务的不重视、不作为,将会成为该行业或者公司走向毁灭的"指南针"。关键词：互联网商业银行贷款风险防范政策监管毕业论文外文摘要TitleResearchonloanriskpreventionofcommercialbanksinChinaAbstractWithAbstract:Atthisstage,commercialbanksarefacedwithavarietyofrisks,allofwhichhaveanimpactonthedevelopmentofcommercialbanks,amongwhichcreditriskhasthemostsignificantimpactoncommercialbanks.Thesizeofthecreditmarketshare,thestrengthofmanagementandcontrolability,andthelevelofrisktolerancehaveanimportantimpactonthecorecompetitivenessofcommercialbanks,andhaveadirectimpactontherealizationofcommercialbanks'businessgoals.Therefore,asthemainriskofcommercialbanks,thelackofcreditriskmanagementandcontrolabilitywilldirectlyleadtotheweakeningofcommercialbanks'competitivenessandoperatingperformance,andhaveasignificantadverseimpactonthefuturedevelopmentofcommercialbanks.Inviewofthis,studiesthecountermeasuresofitsriskmanagementandcontrol,inordertoprovideeffectivecountermeasuresfortheriskmanagementandpreventionofcommercialbanks.Wheretherearepeople,thereareriversandlakes.Wherethereiscapital,thereisborrowing.Lendinghasbeenacommoneconomicphenomenonsinceancienttimes!However,thecommercialbanksinourcountryhavedevelopedsofar,andtheloanscalehasbeenincreasing.Commercialbanksshouldalsoguardagainstloanriskswhileissuingloanstoimprovetheirownprofits.Thistopicanalyzesthecurrentsituationofcommercialbankloans,pointsouttheproblemsexistinginloans,andputsforwardcorrespondingloanriskpreventionsuggestions.Keywords:Internetcommercial;bankloan;riskpreventionPolicyRegulation目录1引言...................................................................12商业银行贷款现状.......................................................12.1商业银行概述.........................................................12.2商业银行贷款业务.....................................................23商业银行贷款中存在的问题...............................................23.1基础工作管理薄弱，信贷档案资料漏缺严重..................................33.2没有严格执行贷款审贷分离制度........................................33.3贷款“三查”制度不落实..............................................43.4贷款审核中的经办人员法律知识薄弱，法律意识不强，使得贷款失去法律保护，缺乏法律效应效应....................................................43.5内部监督机制不健全..................................................43.6违规账外经营严重....................................................54.商业银行贷款中存在的风险..............................................54.1商业银行贷款中存在的风险............................................54.2登记风险............................................................74.3优先受偿风..........................................................84.4抵押物价值风险......................................................84.5变现风险...
