摘要
I
摘要
JNLC 农商行由农村信用合作社改制成农商行体制后，资金和经营规模得到了进
一步扩大，为农村金融发展和微小企业提供了越来越多的服务。JNLC 农商行作为金
融体系中较为独特的一部分，为提高地区生产总值和活跃市场经济，提供了强有力的
资金支持。由于社会人信用难以控制、经济环境瞬息万变，JNLC 农商行面临着越来
越严重的信贷风险，并且难以较好地把握和规避，信贷风险的不确定性带来的问题影
响了业务进一步发展

为了改善信贷风险带来的不确定性，并适应经济环境的变化以及更好的服务于
民，JNLC 农商行在发展的过程中需要识别并妥善应对信贷风险带来的问题。本文首
先在绪论中说明了研究的背景与意义，对比了国内外研究现状，充分了解商业银行信
贷理论及演变过程，了解信贷风险的内容和发展，熟悉常用的信贷风险研究方法，进
而奠定本文的研究基本方法和结构。之后介绍商业银行信贷风险防控的相关理论和技
术方法，然后介绍了 JNLC 农商行基本情况及信贷风险防控的现状。基于问卷调查方
法，分析了该行信贷风险防控中存在的问题：贷款业务流程形式化、贷款风险分类不
准确、担保抵押流于形式与信贷风险转移预警机制不完善、贷款风险处置及评估方式
单一；并指出问题的成因：考核机制不完善、信贷队伍建设不适应业务发展、社会信
用环境缺失和信用体系不健全、监查部门没有独立性和权威性等。最后提出了防控策
略的实施依据、原则和保障措施，并提出防控策略的具体实施策略，包括：优化信贷
风险评估方式、信贷风险评估体系优化、信贷资产质量创新和信贷退出、征信担保体
系构建、加强对银行信资产的准确分类和加强银行内部管理

关键词：农商银行；信贷；风险防控山东理工大学硕士学位论文 ABSTRACT
II
ABSTRACT
JNLC Bank of Agriculture and Commerce by the rural credit cooperative reform into
agricultural firms system, funds and business scale has been further expanded, providing
more and more services for the development of rural finance and small enterprises. As a
unique part of the financial system, JNLC Bank of Agriculture and Commerce provides
strong financial support for the improvement of the GDP and the active market economy.
Because of the social credit is difficult to control, the rapidly changing economic
environment, JNLC Bank of Agriculture and Commerce is facing an increasingly serious
credit risk, and to better grasp and avoid the credit risk, the uncertainty problems affecting
the further development of business.
In order to improve the uncertainty of credit risk, and adapt to the changes of the
economic environment, JNLC Bank of Agriculture and Commerce need to identify and
deal with the problems of credit risk in the development process. This paper firstly explains
the background and significance of the study, compared the domestic and foreign research
status, understand the content and development of credit risk. Then it introduces the
relevant theories and technical methods of credit risk prevention and control of commercial
banks, and then introduces the basic situation and the status of credit risk prevention and
control of JNLC Bank of Agriculture and Commerce. Based on the questionnaire survey
method, analyzes the existing problems in the prevention and control of credit risk, loan
process formalization, loan risk classification is not accurate, mortgage guarantee form and
the transfer of credit risk early warning mechanism is not perfect, credit risk management
and the evaluation form is single; and pointed out the problem: the evaluation mechanism
is not perfect, credit construction don’t adapt to the business development, the bad social
credit environment and the credit system is not perfect, the verification department does
not have the independence and authority. Finally, this paper puts forward prevention and
control strategy based on the principles and measures, and put forward specific
implementation strategies, prevention and control strategies include: optimizing the credit
risk assessment, credit risk evaluation system, optimize the quality of credit assets and
credit innovation exit, construction, credit guarantee system to strengthen the accurate
classification of Bank credit assets and strengthen the internal management of banks.
Key words: Bank of Agriculture and Commerce; Credits; Credit Risk Prevention and
Control山东理工大学硕士学位论文 目录
III
目录
摘要........ I
ABSTRACT..II
目录..III
第一章 绪 论........1
1.1 研究背景与意义...1
1.2 国内外研究现状...2
1.2.1 国外研究现状........2
1.2.2 国内研究现状........3
1.3 研究内容与方法...5
1.3.1 研究内容....5
1.3.2 研究方法....5
1.4 论文基本框架.......6
第二章 商业银行信贷风险防控相关理论..7
2.1 信贷风险的概念...7
2.2 信贷风险防控理论...........7
2.2.1 信贷风险防控的含义........7
2.2.2 信贷风险防控的发展........8
2.3 信贷风险防控理论效用.10
第三章 JNLC 农商行简介及信贷风险防控现状.
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