目前国内银行面临的风险主要是信用风险,能否控制好信用风险成为银行经

营好坏的一个重要指标。经过近些年的股份制改造,我国银行业在公司治理结构

方面取得长足进步,信用风险管理能力也在逐步提高。目前各家银行的不良贷款

率基本都控制在1%左右,已经处于国际先进水平。未来面临的工作主要是做好信

贷资产的基础管理工作,利用银行坚实的管理基础来抵御经济周期性对银行业信

贷资产的冲击,以做到科学有序稳健发展。特别是面对银行信贷业务的转型,国

内各家银行的风险管理工作还需要不断加强和改进。

论文阐述了关于信用风险的基本特征和理论基础,以A银行锡林郭勒分行为

案例,从区域、行业、客户三个维度分析了其信贷业务现状以及信用风险管理框

架和管理流程,全面阐述了 A银行锡林郭勒分行信用风险管理现状。按照信用风

险识别、评估、监测和预警以及应对的完整信用风险管理思路,分析指出存在的

不足,并找出了问题产生的深层次原因。最后有针对性的提出了以“树立先进的

信贷风险文化和信贷理念、狠抓信贷结构调整、加强信息沟通和运用先进的风险

管理工具、构建专业的贷后风险管理团队、采取多种方式化解不良资产等”为主

要内容的一整套完善的风险管理流程的改进建议。

关键词:信用风险,风险管理,缺陷,对策

Abstract

Banking is a fully competitive industry. Whether able to control credit risk,is an

important indicator to measure operating banks good or bad. After a recent joint-stock

reform, China!s banking industry in terms of corporate governance has made great

progress and credit risk management capability is gradually improving. In recent years,

to control the work of non-performing loans is an important task for commercial banks

risk management. Currently,non-performing loan ratio of banks has been basically

controlled at about 1%,which has reach in the international advanced level. Facing the

future of work is mainly to do basic management of credit assets, and this work will be

steady growth from systems and processes. Solid management foundation is bank to

resist cyclical economic impact of credit assets of the banking sector, in order to achieve

scientific and orderly and steady development goals. Especially in the face of bank

credit business transformation, domestic banks also need to continuously strengthen and

improve risk management.

The Paper describes the basic features and theoretical basis about credit risk. The

author chooses Xilingol Branch of Bank A as case object to analyze of its credit risk

management status, credit risk management framework and management processes

from region,industry, and customer these three dimensions. The article pointed out that

the bank's credit management has many deficiencies in risk identification, assessment,

monitoring and early warning and response these areas, and analyzes the reasons for

insufficient. On the basis of these issues,the paper puts forward a set of comprehensive

risk management process improvement recommendations which includes ”establishing

an advanced credit risk culture and credit philosophy; paying close attention to credit

restructuring; strengthening communication and application of advanced risk

management tools; building a professional loan risk management team; taking a variety

of ways to resolve non-performing assets and etc.”

Key words: credit risk,risk management, defect, countermeasures

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