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本文主要采用文献研究法、定性分析法和归纳分析法等研究方法，通过对国
内外相关著作及文献的研究借鉴，找出研究的理论依据，同时结合寻找到的理论
依据及BH银行内部的实际信贷风险管理现状，定性分析BH银行实际公司信贷管
理工作中存在的问题及其成因，再通过归纳分析法找出解决问题的办法，提出改
进意见，并进行归纳总结。主体内容包括七个部分：
第一部分绪论，主要介绍三部分内容：一是选题背景及研究意义，通过对外
部行业现状的分析，阐述研究的意义；二是文献综述，包括国外及国内文献综述；
三是介绍本文的研究方法与相关内容，本文采用的研究方法包括：文献研究法、
定性分析法和归纳分析法等，通过对国内外相关著作及文献的研究借鉴，找出本
文研究的理论依据，同时结合寻找到的理论依据及BH银行内部的实际信贷风险
管理现状，定性分析BH银行实际公司信贷管理工作中存在的问题及其成因，再
通过归纳分析法找出解决问题的办法，提出改进意见，并进行归纳总结
第二部分是相关理论概述，主要对文中涉及的相关理论进行总结及说明
第三部分主要是叙述BH银行的基本情况、信贷风险管理现状以及风险管理
中存在的问题。一是简单介绍BH银行的基本信息及信贷业务开展情况及资产状
况；二是介绍BH银行信贷管理中面临的风险，主要包括信用风险、集中度风险、
操作风险和流动性风险等；三是对各项风险的管理情况进行分析，找出存在问题
主要包括部分行业贷款集中度过高、风控手段不足、操作风险高等问题
第四部分是对BH银行公司信贷风险管理中存在的问题进行成因分析，找出
其产生的原因。主要体现在三方面：一是行业认知因素，二是制度和流程因素，
三是人员管理因素
第五部分是针对找出的问题和成因提出解决方案。一是针对行业集中度高的
问题要加大对行业信息的收集范围和深度，积极开发新的行业客户，对原有的核
心客户加大上下游的开发力度，分散风险；二是通过日常业务实践认真梳理调整
制度和流程的同时加强同业间的学习交流，积极吸取同业成功经验；三是加强内
部人员培训，引进优秀人才和技术，部分技术外包
第六部分是针对提出的风险控制策略提出保障措施。一是通过引进先进的数
据处理技术保障信息收集；二是建立制度及流程的推广机制，保证新的制度和流
程能够尽快形成生产力；三是完善人员培养机制及绩效考核制度
第七部分是结论，对全文内容进行总结，并提出不足之处
关键词：公司信贷；信贷风险；风险管理
Abstract
In recent years, China’s economic growth rate has gradually slowed down.
The GDP growth rate has dropped from 10.6% in 2010 to 6.7% in 2016. Affected
by the economic downturn, domestic companies’ operations have
encountered many difficulties and impacts, and commercial banks have been
operating It has also received greater impact. The company's credit
business is the most important business sector for commercial banks, and
its risk management also faces greater challenges.BH Banking Co., Ltd.
began its formal operations on December 31, 2005. As a wholly-owned
joint-stock commercial bank with less than 12 years of operation, although
there are various domestic and foreign commercial banks' management
experience, they can refer and learn from it, but the internal management
mechanism There is still a long way to go before establishing and improving.
Like most commercial banks in China, corporate credit business is also
BH Bank’s main business segment and source of income. How to control the
company's credit business risk in the absence of external economic
environment, incomplete internal management mechanism, and lack of
management experience to ensure corporate income is the main issue of this
paper.
This article adopts literature research, qualitative analysis and
inductive analysis, and draws on the research of domestic and foreign
related works and literatures to find out the theoretical basis for the
research. At the same time, it combines the theoretical basis found and
the actual credit risk management status within BH Bank. Qualitative
analysis of the problems and causes of the actual corporate credit
management of BH Bank, and then find out ways to solve the problems through
induction analysis, put forward suggestions for improvement, and
summarize them. The main content includes seven parts:
The first part of the introduction mainly introduces three parts: The
First, the background of the topic and the significance of the research.
Through the analysis of the current situation of the external industry,
expound the significance of research. The Second, domestic and foreign
literature review; The third is to introduce the research method and
content of this article, This article mainly uses the literature research
method, the qualitative analysis method and the induction analysis method.
Through the research of the relevant works and literatures at home and
abroad, we find out the theoretical basis for this study. At the same time,
combined with the theoretical basis found and the actual credit risk
management status within BH Bank, qualitative analysis of the problems
and causes of the actual corporate credit management of BH Bank was carried
out. Then use inductive analysis to find solutions to problems, put
forward suggestions for improvement, and summarize them.
The second part is an overview of related theories, which mainly
summarizes and explains the related theories involved in the paper.
The third part mainly describes the basic situation of BH Bank, the status
of credit risk management and the problems in risk management. First, it
briefly introduces the basic information of BH Bank, the development of
credit business and the status of assets; The second is to introduce the
major risks faced by BH Bank's credit management, including credit risk,
concentration risk, operational risk and liquidity risk; The third is to
analyze the management of various risks and find out the problems. It
mainly includes the problems of high loan concentration, inadequate risk
control measures, and high operational risks in some industries.
The fourth part is to analyze the causes of the existing problems in the
credit risk management of BH Bank and find out the reasons for its
occurrence. Mainly reflected in three aspects: First, the industry
cognitive factors, the second is the system and process factors, and the
