外文翻譯--基于灰色關(guān)聯(lián)分析商業(yè)銀行信貸風險管理-資料下載頁
2025-05-12 07:22本頁面
【導讀】核心,這是關(guān)于整個金融系統(tǒng)的關(guān)鍵,國民經(jīng)濟的健康發(fā)展。目前,我國商業(yè)銀行的大。部分收入來自存貸款利率之間的區(qū)別。行的信用風險的研究在理論和實踐上。等問題在銀行信貸資產(chǎn)質(zhì)量低,大量的不良貸?？钪饾u擠壓與金融市場環(huán)境的日益復(fù)雜和衍生金融工具的不斷發(fā)展。它不僅具有實際意義的加強國內(nèi)商業(yè)銀。與此同時,信用風險的分析提供了一個參考實現(xiàn)不同的信貸和降低商業(yè)銀。央銀行實施不同的存款準備金率。用評級和專家判斷。信用評級是由五個。需要的數(shù)據(jù)缺失的情況下,信用評級和違約等數(shù)據(jù)。的形式,以避免或減少信用風險的發(fā)生。據(jù),以提高企業(yè)的信用風險評估的科學性。論企業(yè)金融和宏觀經(jīng)濟、地區(qū)和行業(yè)指數(shù),對信貸風險在一定程度上產(chǎn)生影響。比率的變化通過使用絕對發(fā)生率識別方法對宏觀經(jīng)濟和減值貸款。的條件下不存在債務(wù)危機和生存危機,企業(yè)將償還貸款和減值貸款比率最終將減少。減值貸款比率的影響。電力行業(yè)最低限度影響商業(yè)銀行的信貸風險。
【正文】 sses of risk management, so we can control the risk from the industry factor of credit risk according to grey incidence coefficient result of different industry factors with the credit risk. As well as the mon control system39。s object, the control process has a control system structure as shown in Figure 1. The purpose of risk control system is to ensure the risk is in certain limits under controlling. Corresponding to the grey control theory, that is to ensure the progressively stability of the risk control. 2. Empirical analysis According to the result of the second part, we conclude that the macro economy affects the impairment loan which is consistent with the actual situation. In real life, a good macroeconomic circumstance can reduce the impairment loan. The steady macroeconomic circumstance, such as the expansion of macroeconomic policies or the whole development of economics in society will promote the enterprise operation and improve the management of the enterprise. Under the condition of the inexistence of debt crisis or existential crisis, the enterprise will repay the loan and the impairment loan ratio will reduce finally. With respect to the five industry factors as above, the loan proportion of manufacturing, power, wholesale and retail and realty business have various effects on the impairment loan ratio. The power industry minimally impacts the credit risk of the mercial bank. In the process of loaning, the default risk is smallest while the bank provides a loan to the electric power industry. Power as a fundamental energy of the social economic development is controlled by country, so the risk of default is much lower than any other industry. Transport as well as wholesale and retail trade belong to the highrisk credit industry. The loan to these industries must be rigorously treated and the prehensive consideration of the actual situation of different panies within these industries cannot be ignored so that we have the reason to determine the loan and the amount of loans. Particularly, the relevant degree of realty business is the biggest in the five industries and the impact on the nonperforming assets is the biggest too. In recent years, the realty business is developing in all parts of the country as the main force of the mercial banks. Land agents seek development opportunities everywhere and houses have been built everywhere. Facing the real estate market with high prices and high frothy, much more buyers is looking for a better opportunity or have not so much money to buy so that the funds of the realty business would flow difficulty. The bank will be the undertaker of the risk. The chain of realty business is involved widely. The difficulties of the capital flow which caused by the small volume of housing sales will lead the disruption of the whole industry chain, which caused much more high credit risk of the bank. Therefore, the bank should reduce the amount of credit appropriately according to the latest macroeconomic regulation and control policy of the real estate industry. The bank should determine the direction of credit for various industries to disperse risk. 2 2 Grey Systems: Theory and Application, 2020, (3), Jiajia Jin , Ziwen Yu , Chuanmin Mi
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