论文标题:国有商业银行贷款对象选择问题研究
Research on Select Credit Object of State-owned Commercial Bank
论文作者 张日强
论文导师 李华明,论文学位 硕士,论文专业 区域经济学
论文单位 湘潭大学,点击次数 154,论文页数 70页File Size3094k
2001-06-01论文网 http://www.lw23.com/lunwen_14722322/ 国有商业银行;贷款对象选择;入世影响与对策;技术方法
State-owned;commercial;bank;Select;credit;object;The counter measure and effect of joining WTO;Technical;method
贷款对象选择既是一个宏观问题，是国家经济政策的组成部分和宏观调控的内容和手段；又是一个微观问题，属于商业银行微观经营决策的范畴。贷款对象选择始终要与一定时期的经济体制以及由此决定的银行体制相适应。不同的时期，贷款对象选择的内容、方式、方法都不相同。因此，研究贷款对象应在一定的经济体制和银行体制背景下进行。本文主要研究社会主义市场经济体制下国有商业银行贷款对象选择的理论和“入世”后国有商业银行贷款对象选择的对策，并在此基础上改进国有商业银行贷款对象选择的现行技术方法。 在计划经济体制下，国有专业银行贷款集中投向公有制经济的国有企业和集体企业，国有专业银行在贷款对象选择上自主性不够，贷款对象选择问题并不显得重要，也未引起金融理论界的关注。在社会主义市场经济条件下，国有商业银行通过金融信贷市场实现贷款资源的优化配置，贷款对象选择的正确与否，直接关系到国有商业银行的信贷资产质量，决定国有商业银行的盈利能力。特别是我国加入世贸组织后，根据国民待遇原则和市场准入原则，在华外资银行将与国有商业银行在同一平台上展开对优质信贷客户的竞争，银行贷款对象选择问题将会更加重要。本文就是基于这种背景对国有商业银行贷款对象选择问题进行研究的。文章依据我国的现实国情，论述了社会主义市场经济体制下国有商业银行贷款对象选择的原则、基本条件及应处理的关系，对“入世”后国有商业银行贷款对象选择对策进行了探讨，并试图改进国有商业银行贷款对象选择的现行技术方法。
Select credit object is both a macro- issue, which is a part of a country"s economic policy, a mean and contest of macro-control and a micro-issue which belongs to commercial bank"s micro-manage policy. Select credit object should be suitiable to the particular- period economy system and the bank system which is decided by the former. The contents, means and methods of select credit object are different according to different period. So select credit object should be studied at the background of the fixed economy and bank system. The author mainly researches the theory of the countermeasures of select credit object of the state-owned commercial bank at socialist market economy system and after China joining WTO in this article, and on the basis of which, the author also points out the state -owned commercial bank should perfect the current technical methods of select credit object.At the planned-economy system, the state-owned special bank puts, its load mainly in state- owned and collective enterprises whose independence of select credit object is weak. Select credit object seems unimportant which doesn"t inspired the attention of the financial theorical circle either. The state-owned commercial bank allocates credit resources optimizely through financial credit market under socialist market economy condition. That select credit object being right or wrong has direct effect on the quality of credit assets and the ability of making profit. According to national treatment rule and market enter rule, the foreign capital bank in China and the home commercial bank compete for high quality credit clients on the same platform and select credit object becomes more important after Chinaenter into WTO. And with which as background, the author studies select credit object of state-owned commercial bank as follows: the principles, fundamental conditions and relations in socialist market economy, the countermeasures after China join WTO and perfection current technical methods
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