硕士论文
S农商银行公司信贷风险管理研究
摘
要
农村商业银行在支持地方经济发展、助力实体经济等方面发挥着越来越重要的作
用，作为创造利润的重点，公司信贷所占比重正在提升并且越来越为管理层所重视，因
而针对公司信贷的风险管理也成为农村商业银行经营管理的重要环节。如何做好公司信
贷的风险管理，通过提高风险管理水平来降低不良贷款率已成为学术界和银行业重点关
注的课题。
本文以 S农商银行为例对其公司信贷风险管理进行了研究，首先对国内外针对公司
信贷风险的研究、公司信贷风险的概念和相关理论、S农商银行公司信贷业务发展现状
及风险管理流程进行了总结，接着从公司信贷风险的识别、评价和控制三个环节对 S农
商银行公司信贷风险进行了分析，建立了针对 S农商银行公司信贷借款人的风险评价模
型，涵盖了财务类指标及非财务类指标，且财务类指标侧重更多。同时进行了所建立风
险评价模型的应用研究，表明模型具有较好的应用价值。最后提出了针对 S农商银行公
司信贷风险管理的改进策略和策略实施的保障措施。希望本文的研究结论能够对 S农商
银行公司信贷风险管理具有一定的参考价值，帮助对公司信贷借款申请作出决策判断，
更有效地解决该行不良贷款率较高的问题。
关键词：公司信贷，风险管理，风险识别，风险评价，风险控制
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Abstract
硕士论文
Abstract
Rural commercial banks are playing an increasingly important role in supporting local
economic development and assisting the real economy. As the focus of creating profits, the
proportion of corporate credit is increasing and more and more attention is paid by the
management. Therefore, the risk management of corporate credit has become an important
part of the operation and management of rural commercial banks. How to do a good job in
risk management of corporate credit and reduce the non-performing loan rate by improving
the level of risk management has become the focus of academic circles and banking industry.
This paper takes S rural commercial bank as an example to study its corporate credit risk
management. Firstly, this paper summarizes the research on corporate credit risk at home and
abroad, the concept and related theory of corporate credit risk, the development status of
corporate credit business and risk management process of S rural commercial bank, and then
analyzes the corporate credit risk of S rural commercial bank from three aspects of corporate
credit risk identification, evaluation and control, This paper establishes a risk evaluation
model for S rural commercial bank's corporate credit borrowers, which covers financial
indicators and non-financial indicators, with more emphasis on financial indicators. At the
same time, the application of the established risk evaluation model is studied, which shows
that the model has good application value. Finally, the paper puts forward the improvement
strategy and safeguard measures for the implementation of credit risk management of S rural
commercial bank. It is hoped that the research conclusions of this paper can have a certain
reference value for S rural commercial Bank's corporate credit risk management, help to make
decision-making judgment on corporate credit loan application, and more effectively solve the
problem of high non-performing loan rate of S rural commercial bank.
Key word:Corporate credit, Risk management, Risk identification, Risk evaluation, Risk
control
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硕士论文
S农商银行公司信贷风险管理研究
目录
摘
要 ............................................................................................................... I
Abstract ............................................................................................................... II
1 绪论 ................................................................................................................... 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国内外研究综述.......................................................................................................... 2
1.2.1公司信贷风险识别方面的研究........................................................................ 2
1.2.2公司信贷风险评价方面的研究........................................................................ 3
1.2.3公司信贷风险控制方面的研究........................................................................ 4
1.2.4研究述评............................................................................................................ 5
1.3研究方法及内容.......................................................................................................... 5
1.3.1研究方法............................................................................................................ 5
1.3.2研究内容............................................................................................................ 6
2 基础概念及理论基础 ....................................................................................... 8
2.1公司信贷和公司信贷风险.......................................................................................... 8
2.1.1公司信贷概念.................................................................................................... 8
2.1.2公司信贷风险概念............................................................................................ 8
2.1.3公司信贷风险特征............................................................................................ 8
2.2公司信贷风险管理...................................................................................................... 9
2.2.1风险识别............................................................................................................ 9
2.2.2风险评价.......................................................................................................... 10
2.2.3风险控制.......................................................................................................... 10
2.3公司信贷风险管理相关理论.................................................................................... 10
2.3.1资产负债管理理论.......................................................................................... 10
2.3.2 5C要素分析理论 ............................................................................................. 10
2.3.3全面风险管理理论.......................................................................................... 11
3 S农商银行公司信贷业务发展现状及风险管理流程 .................................. 12
3.1 S农商银行公司信贷业务发展现状.......................................................................... 12
3.1.1 S农商银行概况................................................................................................ 12
3.1.2公司信贷业务组织管理架构.......................................................................... 12
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