摘要
隨著外資銀行的進(jìn)入以及股份制商業(yè)銀行的進(jìn)一步發(fā)展，國(guó)有商業(yè)銀行將面臨更加激烈的競(jìng)爭(zhēng)。而從目前國(guó)有商業(yè)銀行的實(shí)際情況分析，信貸業(yè)務(wù)作為一項(xiàng)傳統(tǒng)的業(yè)務(wù)是目前乃至今后相當(dāng)長(zhǎng)一段時(shí)期內(nèi)利潤(rùn)的主要來源，也是在與外資銀行和其他銀行競(jìng)爭(zhēng)上具有優(yōu)勢(shì)的業(yè)務(wù)。 ，信貸業(yè)務(wù)是銀行最主要的業(yè)務(wù)。充分有效地發(fā)揮銀行信貸功能對(duì)一個(gè)地區(qū)經(jīng)濟(jì)健康運(yùn)行有很大的促進(jìn)作用。所以，在我國(guó)銀行業(yè)競(jìng)爭(zhēng)日益加劇的形勢(shì)下，國(guó)有商業(yè)銀行的信貸業(yè)務(wù)核算控制具有積極的意義。強(qiáng)化信貸風(fēng)險(xiǎn)管理，提高資產(chǎn)質(zhì)量，降低不良貸款比例已成為國(guó)有銀行當(dāng)前面臨的緊迫而又繁重的任務(wù)，是銀行實(shí)現(xiàn)穩(wěn)健經(jīng)營(yíng)的重要保證。通過對(duì)商業(yè)銀行的相關(guān)業(yè)務(wù)資料的分析與相關(guān)銀行業(yè)務(wù)員書籍的查閱，采用大量的 定量研究與定性研究，從而達(dá)到完整的理論與現(xiàn)實(shí)相結(jié)合效果。就信貸風(fēng)險(xiǎn)的含義及主要風(fēng)險(xiǎn)進(jìn)行分析，選擇合理適用的風(fēng)險(xiǎn)控制模型。采用借鑒法和比較分析法，結(jié)合風(fēng)險(xiǎn)控制理論與實(shí)際情況提出信貸風(fēng)險(xiǎn)控制制度的設(shè)計(jì)方案。

關(guān)鍵詞 商業(yè)銀行 信貸風(fēng)險(xiǎn)，法律制度


Abstract

Commercial Bank of China's financial industry is a major component of，Operational risks of commercial banks exist in the operational activities of the always，It refers to the financial system from the inside or outside ，On the safety of bank funds, directly or indirectly, the threat of bank，The serious consequences of disturbing the financial order and even the socio-economic order。Caused by loss of bank funds。Strengthen credit risk management, improve asset quality, reduce the proportion of non-performing loans has become a state-owned banks and the urgency of current tasks is the bank to achieve an important guarantee for the sound operation. Commercial banks through the analysis of the information related to the business banking sales and related books available, the use of a large number of quantitative research and qualitative research to achieve the complete combination of theory and practical results. Credit risk on the meaning and the main risk analysis, choose a reasonable model for the application of risk control. Comparison of the use of reference and analysis, combined with risk management theory and practice to make the credit risk control system design。Credit business is commercial bank money that is spent

Key words Commercial Banks Credit risk Legal system

目 錄
摘要 I
Abstract II

第１xx工商銀行的概況 1
1.1xx工商銀行的自然情況 1
1.工商銀行的信貸風(fēng)險(xiǎn)業(yè)務(wù)概況
第２章工商銀行信貸方法的選擇. 2
2.1貸款流程 2
2.2信貸業(yè)務(wù)的有關(guān)規(guī)定……………………………………………..3
2.2.1借款人應(yīng)具備的基本條件 4
2.2.2客戶評(píng)級(jí)、授信須提供的資料 …………… 2.2.3辦理貸款須提供的資料……………………………….………
2.2.4項(xiàng)目評(píng)估須提供的資料 4
2.3貸款擔(dān)保的有關(guān)規(guī)定………………………………………………… 2.3.1保證擔(dān)保的一般規(guī)…………………………………………….. 2.3.2抵押擔(dān)保的一般規(guī)定……………………………………………..
2.4國(guó)內(nèi)貿(mào)易融資介紹 ………………………………………………….. 2.4.1國(guó)內(nèi)貿(mào)易融資的提出……………………………………………………2.4.2核心企業(yè)條件2.4.3供應(yīng)商須符的條件2.4.4貿(mào)易融資業(yè)務(wù)政策2.4.5產(chǎn)品介紹：
6
第３xx工商信貸業(yè)務(wù)核算制度設(shè)計(jì) 9
3.1設(shè)計(jì)目的 9
3.2設(shè)計(jì)意義 11
3.3銀行職員崗位職責(zé)設(shè)計(jì)
3.4會(huì)計(jì)科目設(shè)計(jì)
3.5信貸業(yè)務(wù)憑證設(shè)計(jì)
第4章 xx工商銀行信貸業(yè)務(wù)控制制度設(shè)計(jì)
4.1 基礎(chǔ)管理制度設(shè)計(jì)
4.2運(yùn)營(yíng)程序制度設(shè)計(jì)
4.3運(yùn)營(yíng)監(jiān)督制度設(shè)計(jì)

結(jié)論 24
致謝 25
參考文獻(xiàn) 26
附錄1 Legal system 27
附錄2 36