摘要
I
摘要
目前，随着商业银行业务的快速发展，商业银行已经在我国国民经济中发挥了不
可替代的重要作用。尤其是对地方经济的发展、个人信贷的提供、中小企业的融资方
面，发挥着主力军的作用。我国商业银行主要收入来源是其信贷资产业务，这种业务
能获得较高收益，但是同时也面临着较高风险。目前信贷风险管理是商业银行风险管
理的核心内容，信贷风险能否控制好对商业银行的稳健经营异常关键

JNS 商业银行位于山东省济南市，属于中小商业银行，其贷款业务主要面对中小
企业，济南市传统中小企业经营困难，新兴产业中小企业盈利能力不足，JNS 商业银
行已经出现了较为严重的不良贷款率，并且新增贷款的信贷风险也难以有效降低，同
时在在当前金融压制政策下，中小商业银行的信贷风险比大型商业银行的更为突出

这大大影响了JNS商业银行的发展，当前应该大力加强JNS商业银行的信贷风险管理，
在把信贷风险控制在合理水平下，提高 JNS 商业银行的利润

本文在综述国内外研究现状和相关理论的基础上，结合 JNS 商业银行的现状找出
了 JNS 商业银行信贷风险管理存在的问题：JNS 商业银行内部控制体制不健全；信贷
风险管理手段落后；信贷风险管理的文化缺失；信贷资产结构不合理；信贷风险管理
的其它问题：信贷档案材料不全；审贷分离执行不严格；对高层管理者的管理不严；
贷款业务种类单一，业务创新发展滞后

针对 JNS 商业银行信贷风险管理存在的问题，提出了相应的对策和建议：（1）
完善信贷内控制度，防范业务运作风险。加强信贷业务人员素质考核、实行审贷分离
模式。加强信贷业务员责任考核。推进审贷制度的落实。（2）提升信贷风险管理技
术。利用大数据技术建立新型企业信用评级体系。（3）完善商业银行信贷风险管理
文化。（4）优化贷款结构。（5）信贷工作具体建议

关键词：JNS 商业银行；信贷风险；信贷风险管理山东理工大学硕士学位论文 ABSTRACT
II
ABSTRACT
At present, with the rapid development of commercial banks, commercial
banks have played an irreplaceable role in China&39;s national economy, especially in
the development of local economy, the provision of personal credit and the
financing of small and medium enterprises. Credit assets business is commercial
bank’s main income, which brings high returns along with high risks. The credit
risk management is the core content of bank risk management, and credit risk
management level directly relates to the bank management.
JNS commercial bank is located in Ji&39;nan, Shandong Province. As one of small
and medium-sized commercial banks, its loan business is mainly for small and
medium sized enterprises. Traditional small and medium enterprises in Ji&39;nan City
are having difficulties in operation, and SMEs in emerging industry lack
profitability. As a result, JNS commercial bank are facing a pretty serious ratio of
non-performing loans, and it’s difficult to reduce the credit risks of new loans. At
the same time, with the current financial repression policy, credit risk in small and
medium sized commercial banks is more prominent than that in large commercial
banks, which has greatly affected the development of JNS commercial banks. In
order to strengthen the credit risk management of JNS commercial banks and
improve the income of JNS commercial banks, it’s significant to make the
economy develop steadily and make the financial environment stable.
Based on the research and correlation theory from both home and abroad, this
essay found out the problems in the credit risk management of JNS commercial
bank, with the consideration of the present situation of JNS commercial bank. The
internal control system of commercial banks is not perfect; The means of credit
risk management is backward; The cultural absence of credit risk management;
The structure of credit assets is unreasonable; Other issues of credit risk山东理工大学硕士学位论文 ABSTRACT
III
management.incomplete credit file materials; The implementation of the
separation of credit and loan is not strict; The management of high-level managers
is lax; The type of loan business is single, and the development of business
innovation is lagging behind.
In view of the existing problems in credit risk management of JNS
commercial bank, the author puts forward corresponding countermeasures and
suggestions in the end: (1) improve the credit internal control system to prevent
the operational risks. Strengthening the quality assessment of credit business
personnel and implementing the loan separation mode. Strengthen the assessment
of the responsibility of credit business. Promote the implementation of the credit
system. (2) upgrading credit risk management technology. Using big data
technology to establish a new enterprise credit rating system. (3) perfecting the
credit risk management culture of commercial banks. (4) optimizing the loan
structure.(5) specific recommendations on credit work in 2017.
Key words:JNS Commercial Bank;Credit Risk; Credit Risk Management山东理工大学硕士学位论文 目录
IV
目 录
摘要.....I
ABSTRACT...........II
第一章 引 言...........1
1.1 选题的背景和意义......1
1.1.1 选题的背景......1
1.1.2 选题的意义......1
1.2 国内外研究综述...........2
1.2.1 国外研究综述..2
1.2.2 国内研究综述..3
1.3 研究内容、方法、技术路线4
1.3.1 研究内容...........4
1.3.2 研究方法...........4
1.3.3 技术路线...........5
1.4 论文的创新....... 6
第二章 相关理论综述....7
2.1 商业银行信贷风险概述.........7
2.1.1 商业银行信贷风险及其特点...........7
2.1.2 商业银行信贷风险的成因与分类..8
2.2 商业银行信贷风险管理概述9
2.2.1 信贷风险管理的定义....
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