浙商银行不良贷款风险成因和防范措施研究.pdfVIP

Subject : Research on the Influence Factors and Risk Preventive Strategies of Non-performing Loans of China Zhe Shang Bank Specialty ：Master of Business Administration Name ：Li Yang （Signature） Instructor ：Zhang Jin Suo （Signature） ABSTRACT Zhe shang Bank as a joint-stock banks , other commercial banks like China, there are also serious risks of bad loans , how to effectively guard against the risk of non-performing loans is a hot issue of common concern to the government and banks . In this paper, on the basis of the relevant research status at home and abroad were reviewed based on empirical research methods of non-performing bank loans Zhe shang Causes and risk prevention measures for a more in -depth analysis. The main research work and conclusions are as follows : (1) A brief overview of the risks associated with non-performing loans theory, the experience adverse U.S, Sweden and Japan and other advanced countries commercial bank loan processing and risk prevention , laid the theoretical foundation for future study. (2) From the analysis of the current situation of Zhe shang on banks bad loan risk management , credit risk into the Zhe shang moral risk, operational risk, credit risk and market risk . (3) The reason for using the questionnaire method Zhe shang bank non-performing loans in the risks arising from the presence of the four were analyzed and found : the main cause of moral hazard pay system is unreasonable ,