摘要
I
S 银行信贷风险管理研究
中文摘要
在我国，商业银行的最核心业务就是以信贷为主的，这一业务几乎占据了其利润
来源接近七成。所以，该业务带来的风险是我国的商业银行需要应对的所有风险中最
为重要的。当前，我国的金融改革正位于非常重要的节点上，商业银行的信贷业务受
到了像允许由民间的资本自行发起设立金融机构，将利率推向市场，进行市场化等改
革的冲击，使商业银行的风险管理收到了挑战，因此对风险进行监督和控制是至关重
要的。但是，在实际操作的过程中，防范风险依然困难重重，限制着商业银行进行风
险管理的相关工作。如何更好的防范信贷风险，提高商业银行风险管理能力，保证商
业银行资产安全，增强商业银行的整体竞争力，已经成为我国商业银行面临的主要问
题之一。对信贷的风险进行管理是一个对风险分段处理的过程，对应事前、事中和事
后的不同阶段，需要对风险进行预防、控制和处理，这也商业银行创建的一种机制，
旨在达到自己的经营的目标。所以，在结合商业银行信贷风险管理的具体的实际情况
的基础上，对如何识别风险、评估风险和分析风险进行探讨研究，前瞻性地对未来可
能发生的风险进行预测和提出解决方案，进而减少风险的发生可能，这非常有利于促
进商业银行运营的平稳，有利于促进信贷业务成长，并在创新方面焕发生机

本文在开始部分研究和探讨了本文存在的背景和意义；其次介绍了商业银行理论
中与信贷风险有关的理论，阐述了信贷风险的含义，包括信贷风险的定义、种类以及
热点，并对风险相关的理论进行阐述，其中有信息不对称理论和金融机构不稳定性理
论。再次试主要介绍S银行信贷业务以及信贷风险管理的现状，介绍了S银行的信贷部
门的组织架构，信贷政策制度以及信贷业务流程。接下来主要分析了S银行信贷风险
的问题，其主要存在的问题有风险管理体制不够完善，风险管理机制有待提升，政策
制度的音带和保障能力不足，对新业务风险的把控能力较弱，风险管理信息系统建设
滞后以及信贷风险管理文化缺失，理念和意识淡薄。最后为S银行信贷风险防范对策，
本文提出的主要对策有扎实做好风险基础管理，完善风险管理体制，积极推进垂直管
理，提升风险管理机制，强化政策引领作用，推进项目成果实施，完善信息系统建设，中文摘要 S 银行信贷风险管理研究
II
提升风险管理信息化水平以及持续强化风险文化建设，增强风险管理意识

关键词：信贷风险；风险管理；风险防范
作者：孙婷婷
指导老师：许叶枚Research of credit risk management in S bank Abstract
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Research of credit risk management in S bank
Abstract
Credit business is the main business of commercial banks in China, generating
nearly70% of their profits. Therefore, the credit risk becomes the major risk. At present,
China is goingthrough a critical period of financial reform. Government encourages the
establishment ofprivate capital bank and supports financial institutions to accelerate
market-orientedinterest rate. All these are believed to have a significant impact on the
credit riskmanagement of commercial banks and will make the monitoring of credit risk
beparticularly important. However, there are still many risk prevention difficulties in
creditrisk management practices, which restrict commercial banks to carry out risk
management.As a result, how to prevent credit risk more effectively and efficiently and
how to optimizerisk management capacity to ensure the safety of the assets thus to enhance
thecommercial banks overall competitiveness, have become crucial tasks for
China&39;scommercial banks to fulfill. The process of credit risk management is a
mechanismestablished to obtain the business objective of commercial banks. Therefore, the
study ofcredit risk identification, risk assessment and analysis, risk prediction, risk
managementmeasures, as well as risk exposure possibility reducing will be helpful in
providing theorysupport for stable operation of commercial banks and credit business
innovation anddevelopment.
This paper first puts forward the research background and research significance; The
second is the overview of commercial bank credit risk management theory, this paper
briefly introduces the concept of commercial bank credit risk, including the definition,
types of credit risk and hot spots, and elaborates the related theory of risk, including the
information asymmetry theory and financial institutions instability theory. Try again
mainly introduce Suzhou Bank credit business is concise and the present situation of the
credit risk management, this paper introduces the Suzhou Bank credit department
organization structure, credit system and credit business process. The Suzhou Bank credit
risk problem are analyzed, the main problems existing in the risk management system is
not perfect, to improve risk management mechanism, policy system of tapes and guarantee
ability is insufficient, the new business risk control ability is weak, the risk management
information system construction lag and lack of credit risk management culture, conceptAbstract Research of credit risk management in S bank
IV
and consciousness. Finally to Suzhou Bank credit risk prevention countermeasures, this
paper puts forward the main countermeasures have a solid foundation for risk management,
perfect risk management system, actively promote the vertical management, improve the
risk management mechanism, strengthening policy guidance, to promote projects
implementation, perfect the information system construction, enhance the level of risk
management information and continue to strengthen cultural construction risk, strengthen
the consciousness of risk management.
Keywords:Credit risk; Risk management;Risk prevention
Written by:Sun tingting
Supervised by:Xuyemei目 录
第一章 绪 论 .......1
第一节 选题的背景和意义 ..........1
第二节 研究内容与方法 ..2
一、研究内容.....2
二、研究方法.....3
第二章 文献综述与相关理论 .......4
第一节 文献综述 ..4
一、国外研究综述.........4
二、国内研究综述.........5
三、述评.6
第二节 相关理论 ..6
一、信息不对称理论.....6
二、金融机构不稳定性理论.....7
第三章 S 银行信贷业务简介及信贷风险管理的现状....9
第一节 S 银行信贷业务简介.......9
一、信贷部门组织架构.9
二、信贷政策制度.......11
三、信贷业务流程.......13
第二节 S 银行信贷风险管理现状及信贷风险点.........15
一、信贷风险识别情况...........15
二、信贷风险管理评价...........17
第四章 S 银行信贷风险管理中存在的问题分析..........19
第一节 风险管理体制不
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