摘要
在全球经济大融合、全球化进程、科技和信息技术不断加快的 21 世纪，世
界各国在经济上和信息上都紧密的联系在了一起。金融市场经过一段萎靡期后，
也重新跟上了全球经济、科技进步的步伐。于此同时，金融市场各种资产的价格
波动也在加大，全球经融市场面临着严峻的风险。商业银行做为金融体系最突出
的代表其面临的经济风险可想而知，而银行面临的各种风险中贷款风险又是其最
为重要的风险，信贷集中风险一旦产生将给商业银行带来无法避免的损失，所以
必须重点监控。商业银行始终都是信贷的主要承担者，架起了与企业的一座桥梁
帮助企业解决融资问题。但商业银行资金的投放方式和渠道不仅会影响银行自身
的经济利益，同时更会影响到我国经济的健康发展趋势，所以，商业银行信贷资
产集中问题，是我们需要重关注的问题，信贷资产过于集中，必然导致银行潜在
风险增加

本文以邮储银行南昌市分行为信贷资产集中风险问题的研究对象。通过对邮
储银行南昌分行对公贷款和个人贷款的相关数据的深入分析，发现该行在放贷过
程中出现的信贷集中问题，并对该风险产生的原因从内、外量方面深入剖析。利
用本人在该行工作的优势通过对银行内部文件、资料的查阅，同时结合了在文献
阅读过程中其他银行信贷风险管理的案例，针对发现的问题，提出切实可行的建
议

关键词：商业银行；信贷资产集中；风险管理II
Abstract
In the 21st century, where the global economy is converged, the process of
globalization, technology and information technology are accelerating, the world is
closely linked with the economy and information. Among them, the global financial
market is particularly active. Capital flows in the global market continues to
accelerate, the world&39;s capital size is growing, at the same time, the financial market,
the price fluctuations of various assets are also increasing, the global financial market
is facing increasing risk. Commercial banks as the most prominent financial system
on behalf of the economic risks facing it can be imagined, and the banks face a variety
of risks in the loan situation is the most important risk, is the national financial
institutions and the bank itself, the monitoring and To prevent the important object
and accounting of the main content. Commercial banks have always been the main
bearers of credit, set up a bridge with the enterprise to help enterprises solve the
financing problem. However, the way and channel of commercial bank funds will not
only affect the economic interests of banks themselves, but also affect the healthy
development trend of China&39;s economy. Therefore, the problem of credit assets
concentration in commercial banks is a problem that we need to pay attention to.
Concentration, is likely to lead to increased bank risk.
This paper takes the concentration risk of credit assets of Nanchang Branch of
Postal Savings Bank as the research object of this paper. This paper introduces the
problems existing in the process of centralized risk disposal of credit assets in
Nanchang Branch of Postal Savings Bank. After analyzing the causes of the
concentration of credit assets, the author makes a deep excavation from the banks
themselves and the external environment. By reviewing the internal reports of the
reports, working manuscripts and documents formed by the Nanchang Branch of the
Postal Savings Bank in dealing with the risk of credit asset concentration, combined
with the case of the concentration risk of credit credit assets of the branch of
Nanchang Branch, a detailed analysis Its real case occurred in the course of business,
deep excavation of specific reasons, analysis of its credit asset concentration risk
generated by the specific and special reasons, and give the corresponding initiatives.
Key words: Commercial banks; credit asset concentration; riskIII
目 录
摘要I
Abstract..........II
目 录........III
1 绪论..1
1.1 选题背景.........1
1.2 选题意义.........1
1.3 研究方法.........2
1.4 本文框架.........3
2 信贷资产集中风险管理文献综述..5
2.1 内涵及成因研究.........5
2.2 银行收益和风险的关系研究.6
2.3 风险监管研究.6
2.4 测算及其效应研究.....7
3 邮储银行信贷资产集中度分析......8
3.1 邮储银行南昌分行的信贷资产总体分布情况.........8
3.2 对公信贷资产集中度分析.....8
3.2.1 区域集中度分析..........8
3.2.2 客户集中度分析..........9
3.2.3 行业集中度分析........10
3.2.4 业务品种集中度分析11
3.2.5 担保方式集中度分析12
3.2.6 专业市场集中度分析13
3.2.7 信贷分类集中度分析13
3.2.8 融资窗口集中度分析14
3.2.9 个人管户集中度分析15
3.3 个人信贷资产集中度分析...16
3.3.1 地区集中度分析........16
3.3.2 客户集中度分析........17
3.3.3 信贷质量集中度分析18
3.3.4 信贷产品集中度分析18
4 邮储银行南昌分行信贷资产集中风险的成因....20
4.1 邮储银行南昌分行信贷资产集中产生的问题.......20
4.1.1 加剧了南昌各区县经济发展的不平衡........20
4.1.2 影响南昌分行信贷资源的配置效率20
4.1.3 增大邮储银行潜在风险........21
4.2 信贷资产集中的成因...........22
4.2.1 国家政策导向影响....22
4.2.2 地
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