本文通过对不良信贷的现状进行梳理，依托银行行为理论、金融脆弱性假说
以及全面风险管理理论，并以 SH 银行为例，对其整体经营情况、资产质量的实
际数据进行分析，总结出其不良贷款的现状、存在的特点以及面临的问题，然后
通过对 SH 银行发生的两个不良贷款典型案例的解析，从银行内部管理控制方面
总结了 SH 银行不良贷款形成的主要原因、对不良贷款的管理方法和不同处置方
式的综合运用，最后提出切实可行的合理化建议措施
本文以 SH 银行为例展开研究，力求从根源上避免不良贷款的发生，对于我
国商业银行，特别是基层分行具有较强的针对性与规范性，对提高我国商业银行
整体核心竞争力有着非常重要的指导意义
关键字：商业银行；不良信贷；成因分析；建议措施Abstract
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Abstract
The existence of non-performing credit assets in commercial Banks has been an
important factor restricting the development of commercial Banks, and it has been the
key cause and trigger of the financial crisis. At present, our country is in a critical
period of L type of economic transition, the existence of the real bad loans and
generating mechanism is difficult to cure, this not only is the world&39;s common issue
faced by the traditional commercial bank, is the key factor of restricting our country
finance mechanism function. As the Yunnan branch of a large bank in China, SH bank
has been expanding year by year. The problem of non-performing loans is of great
concern and is of great significance to the study of its non-performing loan
management.
This article relying on bank behavior theory, the hypothesis of financial fragility
and comprehensive risk management theory, adopt and SH bank, for example, the
overall situation of business, asset quality of the actual data analysis, summarizes the
present situation of the non-performing loans, the existing characteristics and
problems, and then through two of SH bank non-performing loans on the analysis of
typical cases and summarized from the aspects of bank internal management control
SH bank non-performing loans of the main causes of formation, methods for the
management of the bad loans and different disposal ways of the integrated use of,
finally puts forward the feasible measures of rationalization proposal.
SH bank as a case study in this paper, and try to avoid the happening of
non-performing loans, from the source to the commercial Banks in our country,
especially the grass-roots branches has strong pertinence and normative, in raising the
overall core competitiveness of commercial Banks in China has a very important
guiding significance.
Key Words:Commercial Bank ； Non-performing Loans ； Cause Analysis
Recommended measures目录
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目 录
摘要.......I
Abstract ..... II
第一章 绪论..........1
第一节 选题背景和研究价值.....1
一、选题背景.........1
二、研究价值.........1
第二节 研究现状综述........
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