摘要
信贷风险内控评价是管理银行信贷风险的关键途径。随着该评价方法的逐步推
广，已经成为银行在制定发展战略中不可或缺的一种风险评价方法。现在，国内在对
银行信贷风险进行评价过程中通常是建立在审计结论的基础上进行，但是该方式的不
足之处是无法将部分非审计指标可能带来的影响纳入其中。因此，结合以上内容，本
文力争构建一套科学合理的评价银行信贷风险的模型，该模型可结合银行的实际情况
进行修订

本文主要从六个章节进行论述。第一章介绍本文的研究背景、研究意义和目的，
并列举出本文的研究方法和研究思路，提出研究的创新点。第二章是关于商业银行信
贷风险内控制度评价的理论介绍，对相关文献综述做一定的介绍和梳理，介绍了国内
外商业银行内控评价体系，评析现有内控评价方法。第三章主要介绍 NY 商业银行苏
州分行信贷风险内控制度评价体系的不足，并对其进行分析。第四章介绍了 NY 商
业银行苏州分行信贷风险内控制度评价的指标与评价方法。第五章介绍 NY 商业银行
苏州分行信贷风险内控评价的实例运用。第六章主要通过前文内容分析出的不足之
处，提出完善 NY 银行苏州分行信贷风险内控评价的建议

本文选择的研究实例是 NY 商业银行苏州分行，通过验证分析发现构建的模型针
对性强，得到的评价结果不但准确度高而且较为全面，是其他评价商业银行信贷风险
内部控制的方法无法比拟的。如此表明本文构建的评价模型适用性强，有利于商业银
行健全信贷风险评价机制，加强内部控制风险的能力，推动信贷资产质量的进一步提
升，推动商业银行城市分行的经营管理能力的提高

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关键词：NY 商业银行苏州分行 内部控制 内控评价指标
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作 者：卞 逍
指导教师：李洁慧II
Research on the Internal Control Evaluation of Credit
Risk in Suzhou Branch of NY Commercial Bank
Abstract
Internal control evaluation of credit risk is the key way to manage bank credit risk.
With the gradual extension of the evaluation method, it has become an indispensable risk
evaluation method in the development of the development strategy. Now, the evaluation of
bank credit risk is usually based on the audit conclusion, but the shortcomings of this
approach is that some non-audit indicators may not be included in the impact. Therefore,
with the above content, this paper tries to construct a scientific and reasonable model to
evaluate the credit risk of banks, which can be revised according to the actual situation of
banks.
This article is mainly discussed from six chapters. The first chapter introduces the
research background, research significance and purpose of this paper, and lists the research
methods and research ideas of this paper, and puts forward the innovation of the research.
The second chapter is about the commercial bank credit risk internal control system
evaluation theory introduction, This chapter also introduces the domestic and foreign
commercial banks&39; internal control evaluation system and analyzes the existing internal
control evaluation methods. The third chapter mainly introduces the shortcomings of the
evaluation system of the internal control system of the credit risk of Suzhou Branch of NY
Commercial Bank, and analyzes it. The fourth chapter introduces the index and evaluation
method of the evaluation of the internal control system of the credit risk of Suzhou Branch
of NY Commercial Bank. The fifth chapter introduces the application of the internal
control evaluation of credit risk of Suzhou branch of NY commercial bank. In the sixth
chapter, the author puts forward some suggestions on improving the internal control of
credit risk in NY bank by means of the shortcomings of the paper.
The research example chosen by this paper is the Suzhou branch of NY Commercial
Bank. Through the verification analysis, it is found that the model is strong and the
evaluation result is not only high accuracy and more comprehensive, but also better than
other methods of evaluating the internal control of credit risk in commercial banks.So thatIII
this paper shows that the evaluation model constructed in this paper is suitable for
commercial banks to improve the credit risk evaluation mechanism, strengthen the ability
of internal control risk, promote the further improvement of the quality of credit assets, and
promote the improvement of commercial banks&39; management ability.
Keywords: NY Commercial Bank Suzhou Branch Internal Control Internal
control evaluation index
Written by BianXiao
Supervised by LiJieHui
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目 录
1 绪 论·1
1.1 选题背景与研究意义 ·1
1.1.1 选题背景 ··1
1.1.2 研究意义 ··2
1.2 主要研究内容·2
1.3 主要研究方法 ·3
2 相关理论及文献综述·4
2.1 信贷风险与内部控制评价体系·4
2.2 国内外主要信贷风险内控评价体系 ·5
2.2.1 国外主要信贷风险内控评价体系··5
2.2.2 国内主要商业银行内控评价体系 ··8
2.2.3 对现有内控评价方法的评析 10
3 NY 商业银行苏州分行信贷风险内控评价现状及存在的不足 12
3.1 NY 商业银行苏州分行信贷风险内控评价现状12
3.1.1 NY 商业银行苏州分行介绍 · 12
3.1.2 NY 商业银行苏州分行内控评价体系 · 12
3.2 NY 商业银行苏州分行信贷风险内部控制评价体系的不足·· 13
3.2.1 内部控制评价环境仍有待进一步完善13
3.2.2 缺乏系统规范的评价方法与方案13
3.2.3 没有构建常规动态的评价机制14
3.2.4 没有构建符合自身实际的评价指标体系14
3.2.5 信贷风险内部控制评价的约束作用仍有待加强14
4 NY 商业银行苏州分行信贷风险内控评价指标选取及评价模型 15
4.1 信贷风险内控评价的指标选取与验证 ·· 15
4.1.1 评价指标的选取15
4.1.2 指标验证21
4.2 内控评价模型·· 28
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4.2.1 层次分析法28
4.2.2 模糊综合评价30
5 NY 苏州分行信贷风险内控评价的实例分析 33
5.1 调查样本的确定·· 33
5.1.1 调查样本33
5.1.2 样本总量和结构33
5.2 权重集的确定 ·· 33
5.2.1 建立层次结构34
5.2.2 构造判断矩阵并赋值34
5.2.3 构建矩阵、判定相对权重并进行一致性检验34
5.2
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