摘要
摘要
近年来，JS银行 SD分行所在的 SD地区经济增速放缓,部分行业出现了产能过
剩、需求减少的情况,很多企业面临利润空间被压缩,盈利能力和偿债能力不同程度下
滑的处境,导致风险快速暴露,违约概率增加。在此基础上， SD地区各家银行在经济
下行期普遍采取信贷收缩策略，进一步加剧了企业的资金紧张情况 ,造成不良贷款的
迅速增加。JS银行 SD分行在前些年以利润为发展战略导向的指引下，利润指标逐
年递增,收益导向促使其不断扩张贷款规模，仅重视贷款规模和收益性,而忽视其安全
性、流动性,同时内部对公信贷风险管控能力明显不足,目前面临着对公信贷资产质量
恶化、对公信贷风险管理能力不足的严峻形势，亟需加以解决。在这种大背景下，
研究 JS银行 SD分行的对公信贷风险管理问题具有重要的实践意义。
本文研究了 JS银行 SD分行的对公客户信贷风险管理问题，对 JS银行 SD分行
的对公信贷风险管理现状进行了调查分析，重点分析了其中存在的问题，在此基础
上，为了找出问题背后的能力短板及深层次原因，本文构建了分行对公信贷风险管
理评价体系，对分行对公信贷风险管理情况进行评价，找出了该银行的对公信贷风
险管理薄弱环节，提出了切实可行的提升策略。具体来说，本文首先介绍创作的基
本情况，回顾国内外学者关于商业银行对公信贷风险管理的识别与控制、商业银行
对公信贷风险管理的影响因素、商业银行对公信贷领域新技术应用等问题的文献研
究，引入信贷风险管理的相关概念、理论基础；然后介绍 JS银行 SD分行基本情
况，分析 JS银行 SD分行对公信贷风险管理现状，研究 JS银行 SD分行对公信贷风
险管理存在问题；再后建立对公信贷风险管理评价体系，对分行对公信贷风险管理
进行评价，剖析该银行风险管理能力短板及深层次原因；在此基础上提出 JS银行
SD分行对公信贷风险管理提升策略，包括优化授信结构、提升业务发展质量，加强
信贷管理队伍建设、提升信贷展业能力，强化合规经营理念、夯实对公信贷基础管
理，加强资产质量控制、提升风险管控能力；最后提出本篇文章的研究结论。
关键词：商业银行对公信贷信贷风险管理评价体系
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Abstract
Abstract
In recent years, the SD region where JS Bank's SD branch is located has witnessed a
slowdown in economic growth, overcapacity and reduced demand in some industries, and
many enterprises are faced with compressed profit space and varying degrees of decline in
profitability and solvency, leading to rapid exposure of risks and increased probability of
default. On this basis, banks in SD region generally adopt the credit contraction strategy
during the economic downturn, which further aggravates the capital shortage of enterprises
and causes the rapid increase of non-performing loans. SD Branch of JS Bank, under the
guidance of profit-oriented development strategy in the past few years, the profit index
increased year by year, and the profit-oriented promoted its continuous expansion of loan
scale. At the same time, the internal risk control ability of public credit is obviously
insufficient. At present, we are facing the severe situation of deteriorating asset quality of
public credit and insufficient risk management ability of public credit, which needs to be
solved urgently. In this context, it is of great practical significance to study the public credit
risk management of SD branch of JS Bank.
This paper studies the JS bank SD branch toward the customer credit risk
management problems, approaches to credit risk management of bank of JS, SD present
situation has carried on the investigation and analysis, this paper analyzed the existing
problems, and on this basis, in order to find out the problems behind the ability of short
board and deep level reasons, this paper constructs the branch approaches to credit risk
management evaluation system, This paper evaluates the bank's risk management of public
credit, finds out the weak link of the bank's risk management of public credit, and puts
forward feasible strategies to improve it. Specifically, this paper first introduces the basic
situation, review of domestic and foreign scholars on toward the commercial bank credit
risk management of identification and control, brought to the influence factors of credit
risk management of commercial bank, commercial bank let public credit problem such as
new technology application in the field of literature research, introduction of relevant
concepts, theoretical foundation of credit risk management; Then it introduces the basic
situation of SD branch of JS Bank, analyzes the current situation of credit risk management
of SD Branch of JS Bank to the public, and studies the existing problems of credit risk
management of SD Branch of JS Bank to the public. After that, the risk management
evaluation system of public credit is established to evaluate the risk management of public
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