【作者】 佘翔；

【导师】 张伟琳；

【作者基本信息】 武汉理工大学 ， 产业经济学， 2002， 硕士

【摘要】 目前我国商业银行正面临着严重的贷款风险，本文在经过大量的实践调查、理论研究与查阅中外文献研究之后，结合我国现阶段经济管理体制、银行管理体制的巨大变革的历史阶段对银行产生的重大影响，提出了我国商业银行贷款风险存在的一般原因与特殊历史阶段原因(即1、体制失范2、政策偏狭3、行政干预4、企业改革不彻底等深层次原因)。针对以上原因，本文提出了防范与化解贷款风险的一些措施：如建立预警系统、程序控制等，并提出了要恢复主办银行体制的观点，以期对我国商业银行贷款风险控制能力的提升有所帮助。更多还原

【Abstract】 Currently. Chinese commercial banks are facing the serious loan risk. Based on large quantities of investigation and theories study, after checking the Chinese and foreign culture levitate, the research combined our country current economy management system and the management system history that has important influence on the bank, and bring up the general reasons and special history stage reasons for which the commercial bank’s loan risk exits. Namely (1)the system lost, (2)the stubborn policy. (3) the administration interference, (4) unexhausted business enterprise reform, etc..Aiming at the above reasons, the article proposed some measures to avoid and dissolve loan risk.For example the commercial bank should establish the early-warning system and program control system. The author suggested recovering the main bank system.更多还原