I 摘要 随着我国经济的发展，农村商业银行已成为我国金融市场的主力军，承担着服务 “三农”和支持当地经济发展的重要责任。尽管取得了骄傲的成绩，但在发展的过程中 仍然存在不少的问题，其中最严重的问题就是出现不良资产不降反增的现象，这归根到 底都是信贷风险管理出现了问题，因此研究农商行信贷风险管理的意义重大。 本文利用文献综述法、数据分析法、定性分析法、鱼骨图分析法和问题导向法相结 合等手段，首先通过对 F 农村商业银行的经营现状、信贷风险管理现状等情况进行分析， 利用鱼骨图和问题导向法发现在信贷风险组织架构、内控机制、信贷资产质量、信贷风 险识别手段、信贷资产结构以及信贷行为管理等方面存在亟待改进的问题，通过对这些 问题进行分析发现，产生的原因有外部因素如国家政策的影响、银企信息不对称、地方 政府干预等；内部因素如信贷风险管理文化缺失、信贷系统存在缺陷、信贷风险管理体 制不健全以及信贷人员参差不齐等原因，然后针对信贷风险组织架构、内控体系、信贷 风险识别手段、信贷质量、信贷结构、信贷行为管理以及风险管理文化等提出了相应的 改进方案，并对以上改进方案提出了保障措施，包括体制保障、电子信息系统保障、信 贷队伍建设、激励制度与责任追究制度、风险管理文化等措施，对于 F 农村商业银行提 高风控能力有一定的借鉴意义，当然，本文仍有很多待完善的地方。 关键词，农村商业银行，信贷风险，信贷风险管理西北大学硕士学位论文 II Abstract With the development of China's economy, rural commercial banks have become the main force of China's financial market, assuming the important responsibility of serving agriculture, countryside and farmers and supporting local economic development. Despite the proud achievements, there are still many problems in the process of development. The most serious problem is that the non-performing assets do not decrease but increase. In the final analysis, all of these problems arise in credit risk management. Therefore, it is of great significance to study the credit risk management ofAgricultural and Commercial Bank. By using the methods of literature review, data analysis, qualitative and quantitative analysis, fishbone diagram analysis and problem-oriented analysis, this paper first analyses the current situation of F rural commercial banks'operation and credit risk management, and finds out its credit risk organizational structure, internal control mechanism, credit asset quality and credit risk identifier. Through the analysis of these problems, it is found that there are external reasons, such as the impact of national policies, information asymmetry between banks and enterprises, local government intervention, and internal reasons, such as the lack of credit risk management culture, the defects of credit system, and the imperfect credit risk management system. Then, aiming at these problems, the paper puts forward the improvement schemes of credit risk organization structure, internal control system, credit risk identification means, credit quality, credit structure, credit behavior management and risk management culture, and puts forward the safeguard measures for the above improvement schemes, including system guarantee, electronic information system guarantee and credit team construction. Establishment, incentive system and accountability system, risk management culture and other measures have certain reference significance for F rural commercial banks to improve their wind control ability. Of course, there are still many areas to be improved in this paper. Key words: rural commercial banks, credit risk, credit risk management摘要 III 目 录 摘要...................................................................................................................................I ABSTRACT.......................................................................................................................II 目 录.................................................................................................................................III 第一章 导论.......................................................................................................................1 1.1 选题背景和意义.......................................................................................................1 1.1.1 选题背景............................................................................................................1 1.1.2 选题意义............................................................................................................2 1.2 研究方法...................................................................................................................2 1.3 研究内容和论文框架...............................................................................................3 1.3.1 研究内容............................................................................................................3 1.3.2 论文框架 ........................................................................................................4 1.4 特色和创新点...........................................................................................................4 第二章 商业银行信贷风险管理国内外综述及相关理论...............................................6 2.1 国内外研究综述.......................................................................................................6 2.1.1 国外研究综述....................................................................................................6 2.1.2 国内研究综述....................................................................................................7 2.1.3 国内外文献评述................................................................................................8 2.2 信贷风险...................................................................................................................8 2.2.1 信贷风险的概念................................................................................................8 2.2.2 信贷风险的特征................................................................................................8 2.2.3 信贷风险的影响................................................................................................9 2.3 信贷风险管理...........................................................................................................9 2.3.1 信贷风险管理的概念........................................................................................9 2.3.2 信贷风险管理的主要对策................................................................................9 2.3.3 信贷风险管理的相关理论..............................................................................10 第三章 F 农村商业银行信贷风险管理现状分析......................................................... 12 3.1F 农村商业银行简介.............................................................................................. 12西北大学硕士学位论文 IV 3.1.1 F 农村商业银行发展简述..............................................................................12 3.1.2 F 农村商业银行经营现状..............................................................................13 3.1.3 F 农村商业银行组织机构设置......................................................................14 3.2F 农村商业银行信贷风险管理现状......................................................................15 3.2.1 F 农村商业银行信贷资产状况分析..............................................................15 3.2.2 F 农村商业银行信贷业务流程......................................................................17 3.2.3 F 农村商业银行信贷风险管理制度..............................................................18 第四章 F 农村商业银行信贷风险管理中存在的问题.................................................22 4.1 信贷风险管理鱼骨图分析法.................................................................................22 4.2F 农村商业银行信贷风险管理问卷调查..............................................................22 4.2.1 问卷调查目的..................................................................................................22 4.2.2 问卷对象..........................................................................................................23 4.2.3 调研方式....