越南银行贷款信用风险管理探讨Research on the credit risk management of bank loan 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，越语论文题目，内容请直接查看目录。） 研究银行学者在实际和理论两个方面临银行信誉风险一向较为存眷。依据统计数据，20世纪90年月越南信誉风险处在15%到20%之间，比国际尺度凌驾一些。然则在近10年来越南当局比拟看重若何掌握信誉风险，使其日趋接近国际尺度。这解释越南当局曾经熟悉到信誉风险治理的主要性。数据显示，越南银行的不良存款情形已有恶化，但信誉风险现实情形能否真正有积极改变还有待时光验证。本文起首研究对于信誉风险的根本实际和蓬勃国度正在采取的信誉风险治理措施和模子，同时还有巴塞尔协议中对于贸易银行信誉风险治理的划定。对银行而言，信贷营业带来的较多利润，是以银行的信誉风险重要来自负贷运动，用“存款信誉风险”这一称呼引入信誉风险，本文开端对越南银行业的信誉风险现实情形停止研究，然落后一步研究越南银行的存款信誉风险治理程度，包含信誉治理组织模子、信誉丈量模子、信誉风险监视模子、信誉风险处理办法，越南语毕业论文，从而找出越南银行在存款信誉治理方面还存在哪些成绩。为了更清晰地熟悉越南银行的存款信誉风险治理的程度，论文对中国贸易银行停止研究。固然，就行业范围而言，越南还远不及中国，然则银行业改造进程而言，中越确切有许多类似的地方。是以研究了中国银行信誉风险特色与中国银行业的信誉风险治理程度，我们可以找到了越南该向中国粹习自创的地方。本文最初对贸易银行的治理层面提出建议，愿望藉此晋升其存款信誉风险治理。在微不雅层面，各个银行应当树立本身的数据库，请求有几个特色以下：充足的数目、精确的质量和时光。有如许的数据库有益于银行可以或许疾速和明白地树立外部信誉评级系统。另外各个家银行应选择本身的器量信誉风险模子，不要由于模拟而选择太庞杂的。在微观层面，建议国度银行树立检讨和监视运动，采取有用简捷的检讨进程。其次当局应勉励内部信誉评级机构介入对银行信誉风险的评级运动以进步银行运营后果。 Abstract: Research bank scholars in the practical and theoretical aspects of the bank's credit risk has always been more concerned about the two. According to statistics, in twentieth Century 90 years, Vietnam's reputation risk in between 15% to 20%, more than the international scale. But in the past 10 years, the Vietnamese authorities are more valued how to master the credibility of the risk, so that it is increasingly close to the international scale. This explains the Vietnamese authorities have been familiar with the credibility of the main risk management. Data show that the non-performing loans of the Bank of Vietnam has deteriorated, but the credibility of the real situation of the real situation can have positive changes have yet to be verified. In this paper, we first discuss the credit risk of the fundamental realities of the country and the credibility of the credit risk management methods and models, as well as the Basel agreement on the credit risk management of commercial banks. For banks, credit business to bring more profits, to bank credit risk from the movement of negative credit, the introduction of credit risk for the title of "deposit credit risk", the beginning of Vietnam's banking sector credit risk situation research, ran behind the further research on the Vietnam bank deposit credit risk management level, including the credibility of the organization governance model, the credibility of the measurement model, credit risk monitoring model, credit risk approach, so as to find out the Vietnam bank deposit credit governance still exist what results. In order to more clearly familiar with the bank's credit risk management of the Bank of Vietnam, the paper on China's trade bank to stop research. Of course, in terms of the industry, the Vietnam is far less than China, but the transformation process, the banking industry is concerned, there are many similar places. Is to study the credit risk characteristics of Bank of China and Bank of China industry credit risk management level, we can find the place to Vietnam to China Cui Xi created. In this paper, we first put forward suggestions on the governance of commercial banks, and the desire to promote their credit risk management. At the micro level, each bank should establish its own database, the request has several characteristics: the number of adequate, accurate quality and time. Having such a database is a good way for banks to establish an external credit rating system quickly and clearly. In addition all banks should choose the credit risk measure model itself, don't choose too complicated because the simulation. At the micro level, the proposed national bank to establish a review and monitoring of movement, to take a useful and simple review process. Secondly, the government should encourage internal credit rating agencies involved in bank credit risk rating to bank operation consequences of progress. 目录: |
