中文摘要摘要：我国虽然早期尽管市场经济体制建立起来，传统的计划经济体制崩溃了，但市场经济并不完善，在经济体制的转型期具有独特的不稳定性。新的经营环境和利润最大化的经营目标，给商业银行带来了严重且无法回避的问题。本文从金融科技的角度，从中国商业银行的实际情况入手，对我国商业银行的信用管理风险现状和问题进行分析和调查，并对比呈现了国际先进银行的风险管理状况。这是针对中国商业银行存在的风险管理问题，寻找商业银行健康发展的最优对策。关键词：国有商业银行；金融科技视域；风险管理；管理研究毕业论文外文摘要TitleResearchonriskpreventionmechanismofbankingindustryfromtheperspectiveoffinancialtechnologyAbstractAlthoughChinaestablishedthemarketeconomysystemintheearlystageandthetraditionalplannedeconomysystemcollapsed,themarketeconomyisnotperfectandhasuniqueinstabilityinthetransitionperiodoftheeconomicsystem.Thenewbusinessenvironmentandthebusinessgoalofprofitmaximizationhavebroughtseriousandunavoidableproblemstocommercialbanks.Creditriskhasalwaysbeenthefirstriskinthebankingindustry,butafterinvestigation,wefindthatcreditriskisinaparticularlyimportantpositionintheriskofChinesecommercialbanks,whichistheriskweabsolutelyneed.Becarefulfirst.FromtheperspectiveoffinancialtechnologyandtheactualsituationofChinesecommercialbanks,thispaperanalyzesandinvestigatesthecurrentsituationandproblemsofcreditmanagementriskofChinesecommercialbanks,andcomparestheriskmanagementstatusofinternationaladvancedbanks.ThisistofindthebestcountermeasuresforthehealthydevelopmentofcommercialbanksinviewoftheriskmanagementproblemsofChinesecommercialbanks.Keywords:Stateownedcommercialbanks;Fromtheperspectiveoffinancialtechnology;Riskmanagement;managementresearch目录第一章绪论..........................................11.1研究背景............................................................................................11.2研究意义............................................................................................1第二章国有商业银行信用风险概述.......................32.1信用风险基本概念............................................................................32.2信用风险的特点................................................................................32.3信用风险管理的内涵与目标.............................................................32.4信用风险管理方法............................................................................42.4.1专家制度法....................................................................................42.4.2财务比率评级法............................................................................42.4.3信用评分方法................................................................................5第三章我国银行信用风险的现状及问题分析..............63.1我国商业银行信用风险现状.............................................................63.1.1银行业市场份额集中度偏高.........................................................63.1.2银行资产质量较差，不良存款数额巨大.....................................63.1.3资产负债结构不合理，赢利性比较差.........................................73.1.4资本充足率偏低流动性差.............................................................73.2我国商业银行信用风险问题分析.....................................................73.2.1商业银行公司治理结构落后.........................................................73.2.2风险管理体系机制不健全.....................................
