J 银行近几年通过投贷联动业务的快速发展，与企业的粘稠度逐步提高,一站式金融 服务模式也能够得以建立。但是在投贷联动业务的进行过程中，由于专项的风险管理模 式尚未搭建，既制约了信用风险控制能力又造成实际收益水平提升缓慢，所以 J 银行迫 切需要寻找有效的途径来进行投贷联动业务信用风险的合理控制。 本文将结合现阶段信用风险管理的相关理论，对 J 银行投贷联动业务信用风险管理 工作开展现状进行研究，分析其现阶段联动业务信用风险管理存在的不足，提出联动业 务信用风险管理的开展建议，并提出联动业务信用风险管理的保障措施。 本文第一部分为本文的绪论，主要介绍研究背景、意义、国内外研究现状，为本文 研究打好基础；第二部分主要是对现阶段信用风险管理的相关理论进行总结，由于信用 风险管理的内容构成比较复杂，通过理论总结，使本文研究有充分的理论来进行支撑； 第三部分则是对 J 银行投贷联动业务信用风险管理的现状及存在的主要问题进行分析， 通过现状的梳理，发现目前 J 银行投贷联动业务发展过程所存在的问题是比较明显的， 迫切需要合理的途径来提高信用风险管理水平；第四部分提出 J 银行投贷联动业务信用 风险管理的对策建议，通过优化流程、加强人员培训，构建信用风险管理模型的方式来 提高 J 银行投贷联动业务信用风险管理水平；第五部分提出 J 银行投贷联动业务信用风 险控制的保障措施；第六部分是本文的研究结论，对研究内容进行总结并提出相应的研 究期望。 关键词，风险控制；投贷联动；商业银行;信用风险- II - Research on credit risk management of J bank's loan linked business Abstract In recent years, J Bank has been able to establish a one-stop financial service model through the rapid development of investment and loan linkage services, and the consistency of enterprises has gradually increased. However, in the course of the investment and loan linkage business, due to the fact that the special risk management model has not yet been built, it not only restricts the ability to control credit risk, but also causes the actual income level to rise slowly. Therefore, J Bank urgently needs to find effective ways to carry out the reasonable control of credit risk of investment and loan linkage business. This paper will combine the relevant theory of credit risk management at this stage, study the current situation of credit risk management of J bank's investment and loan linkage business, analyze the shortcomings of credit risk management of J bank's investment and loan linkage business at this stage, put forward suggestions for the development of credit risk management of linkage business, and put forward credit risk management of linkage business. The first part is the introduction of this paper, which mainly introduces the research background, significance, research status at home and abroad, laying a good foundation for this study. The second part is mainly to summarize the relevant theories of credit risk management at the present stage. Because of the complexity of the content of credit risk management, these theoretical summaries would support this paper sufficiently. The third part is to analyze the current situation and the main problems of credit risk management of J bank's investment-loan linkage business. Through the analysis of the current situation, it is found that the problems existing in the development process of J bank's investment-loan linkage business are quite obvious. So J bank needs reasonable approaches to improve the level of credit risk management urgently. The fourth part puts forward the countermeasures and suggestions for the credit risk management of J bank's investment and loan linkage business, and improves the credit risk management level of J bank's investment and loan linkage business by optimizing the process, strengthening personnel training, and constructing credit risk management model. The fifth part puts forward the safeguard measures for the credit risk control of J bank's investment and loan linkage business. The sixth part is the conclusion and prospect of this paper, summarizing the research content and putting forward the corresponding research expectations. Key Words，Risk control; loan and loan linkage; commercial bank; credit risk- III - 目 录 摘要.............................................................................................................................I Abstract ............................................................................................................................. II 1 绪论..............................................................................................................................1 1.1 研究背景........................................................................................................... 1 1.1.1 选题的研究背景.................................................................................... 1 1.1.2 问题的提出............................................................................................ 1 1.2 研究意义........................................................................................................... 2 1.2.1 理论意义................................................................................................ 2 1.2.2 现实意义................................................................................................ 3 1.3 研究思路和方法............................................................................................... 3 1.3.1 研究思路................................................................................................ 3 1.3.2 研究方法................................................................................................ 4 1.4 文献综述........................................................................................................... 4 1.4.1 国内外信用风险管理研究现状............................................................ 4 1.4.2 国内外投贷联动业务研究现状............................................................ 5 1.4.3 研究评述................................................................................................ 6 2 投贷联动业务信用风险管理理论概述......................................................................7 2.1 商业银行投贷联动业务定义与特点............................................................... 7 2.1.1 投贷联动业务的定义............................................................................ 7 2.1.2 投贷联动业务的分类及特点................................................................ 7 2.2 商业银行信用风险定义与特点....................................................................... 9 2.2.1 信用风险的定义.................................................................................... 9 2.2.2 信用风险的分类及特点...................................................................... 10 2.3 投贷联动业务信用风险的内涵..................................................................... 10 2.3.1 投贷联动业务信用风险的定义.......................................................... 10 2.3.2 投贷联动业务信用风险的特点.......................................................... 11 2.3.3 投贷联动业务信用风险控制的重要性.............................................. 11 3 J 银行投贷联动业务信用风险管理的现状及存在的主要问题.............................13 3.1 J 银行投贷联动业务信用风险管理的现状 .................................................. 13 3.1.1 J 银行发展现状 ................................................................................... 13 3.1.2 J 银行投贷联动业务信用风险管理现状分析 ...................................... 13- IV - 3.2 投贷联动业务信用风险管理存在的主要问题............................................. 16 3.2.1 投贷联动业务内控体系不完善导致信用风险.................................. 16 3.2.2 银行贷款部门与投资合作单位权责不明确...................................... 17 3.2.3 人力资源管理不足的制约.................................................................. 18 3.2.4 信用风险管理工作质量亟待提高...................................................... 19 4 J 银行投贷联动业务信用风险管理体系的构建 ..................................................... 20 4.1 信用风险管理组织架构.....................................................................