风险管理是商业银行管理的主要核心内容之一，风险管理能力是商业银行的竞争力 表现。当前，我国商业银行经营管理中面临着各种各样的风险，而信用风险是最常见、 所占比例最大的风险之一。近年来，受全球经济调整及贸易摩擦影响，国内经济下行压 力颇大，我国商业银行信用风险频发，不良资产质量加剧明显，信用风险管理的状况受 到了业内的高度重视。近年来，ZH银行信贷资产质量恶化严重，特别是矿业贷款不良 率极高，严重影响银行的稳健经营发展。虽然ZH银行近两年不良资产处置效果较明显， 但是仍难以扭转不良贷款额和不良贷款率双高的局面，透过这些现象影射出ZH银行的 信用风险管理水平还有待提升。本文从ZH商业银行矿业信贷业务信用风险管理实际情 况出发，认真剖析存在的问题及原因，积极借鉴国内外先进理论，提出具有切实可操作 性的信用风险管理完善措施，力求提高ZH商业银行信用风险管理水平。 本文在分析相关理论的基础之上，以ZH商业银行矿业信贷业务的信用风险管理为 研究对象，主要从五个方面着手分析：首先，介绍了文章的研究背景、意义、内容及研 究方法等；接着，阐述了商业银行信用风险管理相关概念与理论概述；随后，概括了 ZH银行矿业信贷业务中存在的主要信用风险并从宏观角度、矿业行业角度和银行内部 角度剖析了信用风险形成原因，介绍了矿业贷款业务信用风险管理现状；然后，从贷款 流程和总体风险管理举措出发，剖析了矿业信贷业务信用风险管理中存在的问题，包括 风险管理意识不足，信用风险识别、预警、监测控制不到位，风险度量存在缺陷和专业 队伍人员素质不高等，并展开成因分析；最后，提出了矿业信贷业务信用风险管理的完 善对策。重点从重视培育风险管理意识、加强银行信用风险识别和预警、优化评级体系 和模型、强化风险控制、健全内部控制机制和加强专业队伍人员建设六个方面，提出改 进策略。 关键词：信用风险；矿业；管理研究 II RESEARCHONCREDITRISKMANAGEMENTOFMINING CREDITBUSINESSOFZHBANK ABSTRACT Riskmanagementisoneofthemaincorecontentsofcommercialbankmanagement. Riskmanagementabilityistheperformanceofcommercialbank'scompetitiveness.Atpresent, China'scommercialbanksarefacingvariousrisksintheiroperationandmanagement,and creditriskisoneofthemostcommonandlargestrisks.Inrecentyears,affectedbytheglobal economicadjustmentandtradefriction,thedomesticeconomyisunderconsiderable downwardpressure.ThecreditrisksofChina'scommercialbanksarefrequent,andthe qualityofnon-performingassetsisincreasingsignificantly.Thecreditriskmanagement situationhasreceivedhighattentionintheindustry.Inrecentyears,thequalityofcreditassets ofZHBankhasdeterioratedseriously,especiallythenon-performingrateofminingloansis extremelyhigh,whichhasseriouslyaffectedthesteadyoperationanddevelopmentofthe bank.AlthoughZHBank'snon-performingassetdisposaleffectisobviousinthepasttwo years,itisstilldifficulttoreversethesituationofdoublehighnon-performingloanamount andnon-performingloanrate.ThesephenomenaimplythatZHBank'screditriskmanagement levelstillneedstobeimproved.Startingfromtheactualsituationofcreditriskmanagement ofZHCommercialBank'sminingcreditbusiness,thispapercarefullyanalyzestheexisting problemsandcauses,activelydrawslessonsfromadvancedtheoriesathomeandabroad,and putsforwardpracticalandoperationalmeasurestoimprovecreditriskmanagementofZH CommercialBank,aimingatimprovingcreditriskmanagementlevel. Basedontheanalysisofrelevanttheories,thispapertakesthecreditriskmanagementof ZHCommercialBank'sminingcreditbusinessastheresearchobject,andmainlyanalyzesit fromfiveaspects:Firstly,theresearchbackground,significance,contentandresearchmethods ofthearticleareintroduced.Secondly,itexpoundstherelatedconceptsandtheoriesofcredit riskmanagementincommercialbanks.Then,itsummarizesthemaincreditrisksexistingin III ZHBank'sminingcreditbusiness,andanalyzesthecausesofcreditrisksfromthemacro perspective,miningindustryperspectiveandbankinternalperspective,andintroducesthe currentsituationofcreditriskmanagementinminingloanbusiness.Then,startingfromthe loanprocessandoverallriskmanagementmeasures,thepaperanalyzestheproblemsexisting increditriskmanagementofminingcreditbusiness,includinginsufficientawarenessofrisk management,inadequatecreditriskidentification,earlywarning,monitoringandcontrol, defectsinriskmeasurementandlowqualityofprofessionalpersonnel,andanalyzesthe causes.Finally,thepaperputsforwardthecountermeasurestoimprovethecreditrisk managementofminingcreditbusiness.Thispaperputsforwardimprovementstrategiesfrom thefollowingsixaspects:attachingimportancetocultivatingriskmanagementawareness, strengtheningbankcreditriskidentificationandearlywarning,optimizingratingsystemand model,strengtheningriskcontrol,improvinginternalcontrolmechanismandstrengthening professionalteambuilding. KEYWORDS:Creditrisk;Miningindustry;Managementresearch IV 目录 摘要.........................................................................................................................................I ABSTRACT...................................................................................................................................II 第一章绪论.............................................................................................................................1 1.1研究背景与研究意义.................................................................................................1 1.1.1研究背景.........................................................................................................1 1.1.2研究目的和意义.............................................................................................2 1.2文献综述.....................................................................................................................2 1.2.1国外文献综述.................................................................................................2 1.2.2国内文献综述.................................................................................................5 1.3研究内容及研究方法.................................................................................................8 1.3.1研究内容.........................................................................................................8 1.3.2研究方法.........................................................................................................8 1.4.本文的创新与不足之处...........................................................................................9 第二章商业银行信用风险管理概述..................................................................................10 2.1相关概念界定...........................................................................................................10 2.1.1商业银行信用风险的含义...........................................................................10 2.1.2商业银行信用风险管理的含义...................................................................10 2.2商业银行信用风险管理的特征...............................................................................11 2.3信用风险管理的流程...............................................................................................12 2.3.1识别判断信用风险.......................................................................................12 2.3.2评估度量信用风险.......................................................................................13 2.3.3全面控制信用风险.......................................................................................14 2.4信用风险管理的相关理论.......................................................................................15 2.4.1信息不对称理论...........................................................................................15 2.4.2信贷集中理论...............................................................................................15 V 2.4.3信用分析法...................................................................................................16 第三章ZH银行矿业信贷业务信用风险及其管理现状.....................................................17 3.1ZH商业银行基本情况..............................................................................................17 3.1.1ZH商业银行概况..........................................................................................17 3.1.2对公信贷客户结构..........................................................................