第1章引言.....................................................................................................................1 1.1研究背景.............................................................................................................1 1.2研究目的与意义.................................................................................................1 1.3国内外研究综述.................................................................................................2 1.3.1存款保险条例简述...................................................................................2 1.3.2国内外研究现状.......................................................................................3 1.4研究框架.............................................................................................................4 1.4.1研究思路...................................................................................................4 1.4.2研究内容...................................................................................................7 1.4.3研究方法...................................................................................................7 第2章商业银行不良贷款相关概述及理论.................................................................8 2.1商业银行不良贷款相关概述.............................................................................8 2.1.1商业银行不良贷款概念...........................................................................8 2.1.2不良贷款的分类.......................................................................................8 2.2商业银行不良贷款相关理论.............................................................................9 2.2.1银行信用理论...........................................................................................9 2.2.2内在脆弱性理论.....................................................................................10 第3章X银行不良贷款现状分析...............................................................................11 3.1X银行基本情况................................................................................................11 3.1.1X银行简介..............................................................................................11 3.1.2X银行基本业务发展情况......................................................................11 3.1.3X银行信贷业务情况..............................................................................12 3.2X银行不良贷款情况........................................................................................12 3.2.1X银行不良贷款总体情况......................................................................12 3.2.2X银行不良贷款处置情况......................................................................13 第4章X银行不良贷款成因分析...............................................................................14 4.1不良成因总体分析...........................................................................................14 4.2不良成因调查...................................................................................................14 4.2.1不良信贷A公司....................................................................................15 4.2.2不良信贷B公司....................................................................................17 4.2.3不良信贷C公司....................................................................................18 4.3不良贷款成因分析...........................................................................................20 4.3.1贷前原因.................................................................................................20 II 4.3.1贷中原因.................................................................................................23 4.3.3贷后原因.................................................................................................24 第5章X银行不良贷款应对措施...............................................................................26 5.1加强经济形势研判及客户选择.......................................................................26 5.2夯实信贷从业人员及队伍基础.......................................................................27 5.3优化客户产品配置及增信措施.......................................................................28 5.4提高风险预警信号研判及化解能力...............................................................28 第6章结论与展望.......................................................................................................30 6.1研究结论...........................................................................................................30 6.2研究不足...........................................................................................................30 6.3未来展望...........................................................................................................31