越南商业银行信用风险管理探讨Research on credit risk management of commercial banks in Vietnam 摘要:（摘要内容经过系统自动伪原创处理以避免复制，下载原文正常，内容请直接查看目录。） 20世纪90年月产生的Barings Bank开张，1997年亚洲金融危机与其2017年美国次贷危机激发的全球金融危机等一系列严重的金融风险事宜，人们不能不对新情势下贸易银行的信誉风险治理成绩停止了深入的反思和研究，从而成长贸易银行信誉风险治理的理念和技巧。越南经济改造开放以后，特殊从2017年越南参加世界商业组织以来，越南贸易银行敏捷成长，至今已有21年的成长。越北国内现共有5家国有贸易银行、37家股分制贸易银行、5家合伙贸易银行、5家本国独资银行、48家本国银行分支。越南贸易银行范围的扩展，信贷营业也正赓续的扩展。银行信贷扩展将给银行带来更多的盈利，但与此同也潜伏许多风险，是以，笔者以为健全贸易银行信誉风险治理体系是越南各家贸易银行的重要义务。本文的研究，越南语毕业论文，对于深入熟悉越南贸易银行信誉风险治理现状，商量优化越南贸易银行信誉风险治理体系的战略具有主要的实际意义。本文起首从贸易银行信誉风险及信誉风险治理的普通实际动身，从实际到理论，研究越南贸易银行信誉风险现状及其缘由；随后将研究越南贸易银行信誉风险治理现状及其存在缺点，而且对比《巴塞尔协定Ⅲ》的新划定；最初经由过程后面的研究，将提出若何优化越南贸易银行信誉风险治理的战略。本文根据蓬勃国度先辈的贸易银行的信誉风险治理实际与经历、《巴塞尔协定Ⅲ》的新请求，再联合越北国情，商量完美越北国有贸易银行信誉风险治理的对策如：削减当局干涉，改变当局本能机能、增强贸易银行的监管机制、引入先辈迷信的信誉风险治理办法等。 Abstract: Bank Barings opened in twentieth Century 90, the 1997 Asian financial crisis and the global financial crisis caused by the United States sub loan crisis in 2017, a series of serious financial risks, people can not be wrong to the new situation of the credit risk management of the bank's reputation and research, so as to grow trade bank credit risk management ideas and skills. Vietnam's economic reform and opening up, the special from 2017 to Vietnam to participate in the world trade organization, the Vietnam Trade Bank of agile growth, has been 21 years of growth. The North China is now a total of five state-owned commercial bank, 37 share-holding system commercial bank, 5 joint-stock commercial banks, five domestic owned banks, 48 National Bank branch. The expansion of Trade Bank of Vietnam scope, extended credit business is also continuously. Bank credit expansion will bring more profit to the bank, but with the same potential risks, is to improve the credit risk management system is the important task of Vietnam's banks. The research of this paper is of great practical significance to the development of the credit risk management system of Vietnam Trade Bank, and to discuss the strategy of optimizing the credit risk management system of the Trade Bank of Vietnam. This paper, from the actual to the theory of the credit risk and credit risk management of the commercial bank, discuss the status quo and the causes of the credit risk, and then discuss the current situation of the credit risk management and the new regulations of the Basel agreement. The vigorous for advanced countries, the commercial bank credit risk management according to the actual, "Basel Agreement III" new request and, combined with the north, to discuss the perfect more North commercial bank credit risk management countermeasures such as: reduce government interference, change government functions, enhance trade bank supervision mechanism, the introduction of advanced and scientific credit risk management measures. 目录: 摘要 6-7 Abstract 7 图表索引 9-10 第一章 绪论 10-20 第一节 选题背景和现实意义 10-11 第二节 信用风险的基本概念 11-15 第三节 国内外探讨近况 15-17 第四节 探讨措施与思路 17-19 第五节 创新与不足 19-20 第二章 越南商业银行的发展与挑战 20-36 第一节 越南商业银行的发展概况 20-22 第二节 越南商业银行面临的挑战 22-36 第三章 越南商业银行信用风险近况及其成因略论 36-49 第一节 越南商业银行信用风险近况 36-47 第二节 越南商业银行信用风险成因略论 47-49 第四章 越南商业银行信用风险管理近况及存在的问题 49-57 第一节 越南商业银行信用风险管理近况 49-54 第二节 越南商业银行信用风险管理存在的问题 54-57 第五章 优化越南商业银行信用风险管理的对策与建议 57-66 第一节 优化越南商业银行外部环境 57-61 第二节 优化越南商业银行内控环境 61-66 结语 66-67 附录 67-70 参考文献 70-73 后记 73 |
