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AK银行长春分行企业贷款业务风险管理策略研究
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The Research on Enterprise Loans Risk Management Strategy
of AK Bank Changchun Branch
作 者 姓 名：刘晗
领域（方向）：投资经济与管理
指 导 教 师：卢艳秋教授
类 别：工商管理硕士
答 辩 日 期：2018年05月27日
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I
摘要
AK银行长春分行企业贷款业务风险管理策略研究
当前我国商业银行信贷资产的需求日益多样化，使得企业信贷业务由最初的流动
资金贷款逐步拓展到固定资产贷款、股票质押贷款、外汇质押贷款、银团贷款、银行
承兑汇票、银行承兑汇票贴现、有追索权国内保理等领域，并且还在逐步扩展中。与
商业银行其他业务相比，企业贷款业务的贷款金额十分巨大、群体品种规模更加广泛、
客户地域较分散且风险较为显著，对商业银行整体的信贷资产质量起到决定性作用
因此，企业信贷的健康发展关系到银行信贷的质量、银行收入的稳定性、以及实现稳
健经营和未来发展
本文正是基于此背景，以AK银行长春银行为例对当前企业贷款业务风险管理展开
了深入讨论，通过分析目前AK银行长春银行企业贷款业务风险管理的现状及存在的问
题，结合当前各地区企业贷款业务实际发展状况，探寻对AK银行长春银行企业贷款业
务实施有效风险管理与策略制定、保障实施的途径，从而达到合规经营、健康发展的
目的，有效防范信贷业务产生的风险
在研究过程中本文主要采用了文献调查法、案例分析、经验总结、多学科综合分
析法等多种方法，首先从整体企业贷款业务发展背景到AK银行长春分行实际发生的
案例研究，从成因分析到对策建议，系统化的确定了本文研究结构。其次，本文采取
了多种分析方法对AK银行长春分行企业贷款业务实际状况进行分析，指出问题，并
设计改进策略。最后，本文综合应用了包括信息不对称理论、博弈论、信贷配给理论
在内的管理、经济学相关理论对论文展开多角度研究，确保论文的论证全面性及科学
性
根据AK银行长春分行风险管理中存在的问题，本文对此主要提出制度改革、业
务流程改进、核保方式改变、强化信息管理系统的应用、完善信贷业务审批流程、改
进薪酬制度、贷后管理改变及充分利用创新辅助工具等建议，为AK银行长春分行企
业贷款业务风险管理提供了理论及现实依据，具备一定的现实意义
关键词：
企业贷款业务，风险管理， 风险识别，策略制定
III
Abstract
The Research on Enterprise Loans Risk Management Strategy
of AK Bank Changchun Branch
The demand for credit assets of commercial banks in China is increasingly diversified,
making the enterprise loan business extended from the initial liquidity loan to fixed asset
loan, stock pledge loan, foreign exchange pledge loan, syndicated loan, bank acceptance bill,
bank acceptance bill discounting, recourse domestic factoring and it's still expanding along.
When compared with other commercial banks, the loan amount of the enterprise loan
business is very large, the scale of the group is more extensive, the customer region is more
scattered and the risk is more significant, which plays a decisive role in the quality of the
credit assets of the commercial banks as a whole. Therefore, the healthy development of
enterprise credit is related to the quality of bank credit, the stability of bank income, and
the steady operation and future development.
This article is based on this background, taking the AK Bank Changchun Branch as an
example, the current enterprise loan business risk management is discussed in depth.
Through the analysis of the current situation and existing problems of AK bank enterprise
loan business risk management, and combining the current situation of the actual
development of the enterprise loan business in various regions, the loan business of the
Changchun Bank of the AK bank is explored. We should implement effective risk
management and risk guarantee implementation so as to achieve the purpose of
compliance operation and healthy development, and effectively prevent risks arising from
credit business.
In the course of the article, this article mainly adopted a variety of methods such as
literature survey, case analysis, experience summary and multidisciplinary comprehensive
analysis. First of all, from the background of the overall enterprise loan business
development to the actual case article of the AK Bank Changchun Branch, from the cause
analysis to the countermeasures and suggestions, the structure of this research structure
was systematically determined. Secondly, this research adopts the multi discipline。