随着经济的飞速发展，金融市场的发展越来越趋向于多元化，近些年农村金融市 场在国内取得了广泛关注和快速发展，国家也在通过一些金融政策推动农村金融市场 的发展，国外投资机构对农村金融市场的关注度和投资力度逐年增大。另一方面，在 农村金融市场快速发展的同时，银行信用风险问题也越来越明显，因此在推动农村金 融行业发展的同时，也要重视信用风险管理。论文的研究以LY农村商业银行作为研 究对象，针对目前LY农村商业银行信用风险管理问题进行深入分析和研究。通过信 用风险管理视角，从六个方面进行了归纳整理，给出本次的研究结果，并就研究情况 和分析结果进行详细阐述。 论文首先介绍了研究背景以及研究的意义和目的，同时介绍了论文研究采用的研 究方法和论文的创新点，对国内外商业银行信用风险管理研究现状进行介绍，为全文 研究内容的开展奠定了理论基矗然后对LY农村商业银行风险管理现状进行了分析。 简要介绍了LY农村商业银行的业务情况、资产运营和不良资产情况，并重点对目前 LY农村商业银行风险管理制度进行了分析。论文采取层次分析法（AHP）和模糊综 合评价法（FCE）相结合的方式对LY农村商业银行信用风险进行了评估，主要对银 行内部经营性信用风险和外部金融环境进行了评估和测算。通过评估得出，目前LY 农村商业银行有良好的经营性风险管理水平，但是没有足够重视外部客户的选择风险 管理和自身风险控制。最后，针对存在的问题提出了关于完善信用风险管理系统解决 策略。主要从建立完善的信用风险预警机制、加强个人信用等级评估和评定、完善信 用风险管理人员队伍建设以及完善银行信用投放机制等多个方面进行了阐述，期望通 过这些方面的改善来提升LY农村商业银行信用风险管理水平、完善信用风险管理系 统。 关键词：农村商业银行；信用风险；风险管理 II ABSTRACT With the development of the economic, the development of the financial market is becoming more and more diversified. In recent years, the rural financial market has made extensive attention and rapid development in China. The state is also promoting the development of the rural financial market through some financial policies, and the foreign investment institutions pay attention to the rural financial market. And the intensity of investment is increasing year by year. On the other hand, in the rapid development of the rural financial market, the bank credit risk is becoming more and more obvious, so in promoting the development of the rural financial industry, we should also pay attention to the credit risk management. This paper takes LY rural commercial bank as the research object, and anaLYzes and studies the problem of credit risk management of LY rural commercial bank. Credit risk management is the research object, from these six aspects are summarized, and the results of this study are given, and the research situation and anaLYsis results are expounded in this paper. The paper first introduces the background of writing, and the significance and purpose of the research. At the same time, it introduces the research method and the innovation of the thesis, and introduces the research status of the credit risk management of commercial banks at home and abroad, and lays a theoretical foundation for the development of the full text. Then, it analyse the current situation of LY rural commercial bank's risk management. This paper briefLY introduces the business situation of LY rural commercial banks, banks, assets operation and non - performing assets, and focuses on the anaLYsis of the current risk management system of LY rural commercial banks. Then, the paper adopts the method of anaLYtic hierarchy process (AHP) and fuzzy comprehensive evaluation (FCE) to evaluate the credit risk of LY rural commercial banks, and mainLY evaluate and calculate the operational credit risk and external financial environment in the bank. Through the evaluation, LY rural commercial banks have a good management level of operational risk at present, but they do not pay enough attention to the choice of risk management and self risk control of external customers. FinalLY, aiming at the existing problems, it puts forward the solutions to improve the credit risk management system. MainLY from the establishment of a perfect credit risk earLY warning mechanism, strengthening the evaluation and evaluation of personal credit rating, improving the construction of credit risk management personnel and improving the bank credit mechanism, and other aspects, hope to improve the credit risk management level and perfect letter of LY rural commercial bank from these aspects. Use the risk management system. Key words：rural commercial banks；credit risk；risk management. III 目 录 第一章 导论.......................................................................................................................- 1 - 1.1 研究背景及意义..........................................................................................................- 1 - 1.1.1 研究背景............................................................................................................- 1 - 1.1.2 研究意义............................................................................................................- 1 - 1.2 国内外研究现状..........................................................................................................- 2 - 1.2.1 国外研究现状....................................................................................................- 2 - 1.2.2 国内研究现状....................................................................................................- 3 - 1.3 研究方法及技术路线..................................................................................................- 4 - 1.3.1 研究方法............................................................................................................- 4 - 1.3.2 技术路线............................................................................................................- 4 - 1.4 研究内容与结构安排..................................................................................................- 5 - 第二章 理论基础与基本概念界定...................................................................................- 6 - 2.1 相关概念界定..............................................................................................................- 6 - 2.1.1 信用风险的概念................................................................................................- 6 - 2.1.2 信用风险管理的概念........................................................................................- 7 - 2.1.3 信用风险测度模型............................................................................................- 7 - 2.2 商业银行信用风险管理的流程..................................................................................- 8 - 2.3 商业银行信用风险管理的理论基础..........................................................................- 9 - 2.3.1 委托代理理论....................................................................................................- 9 - 2.3.2 信贷配给理论..................................................................................................- 10 - 2.3.3 企业生命周期理论..........................................................................................- 10 - 2.3.4 信息不对称理论..............................................................................................- 10 - 第三章 LY农村商业银行的信用风险概况与管控分析................................................- 12 - 3.1 LY农村商业银行简介...............................................................................................- 12 - 3.1.1 LY农村商业银行概况.....................................................................................- 12 - 3.1.2 LY农村商业银行经营概况.............................................................................- 12 - 3.1.3 LY农村商业银行不良贷款情况.....................................................................- 13 - 3.2 LY农村商业银行信用风险影响因子.......................................................................- 14 - 3.3 LY农村商业银行信用风险识别及评估...................................................................- 15 - 3.3.1 风险权重计算...............................................................................