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中信银行S分行公司信贷风险管理研究_硕士毕业论文DOC

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河北科技大学学位论文原创性声明
本人郑重声明:所呈交的学位论文,是本人在导师的指导下,独立进行研究工
作所取得的成果。对本文的研究做出重要贡献的个人和集体,均已在文中以明确方
式标明。除文中已经注明引用的内容外,本论文不包含任何其他个人或集体已经发
表或撰写过的作品或成果。本人完全意识到本声明的法律结果由本人承担。
学位论文作者签名:
指导教师签名:
2021年 12月 6日
2021年 12月 6日
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学位论文作者签名:
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2021年 12月 6日
2021年 12月 6日

摘要
摘要
当前我国经济受到内外部多重不利因素叠加影响,经济下行压力巨大,实体经
济发展面临多重困难,金融环境日趋恶化,我国商业银行不良贷款余额持续增加,
信贷风险管理存在的问题逐渐显露。作为资金融通的中介的商业银行,其发展直接
关系到整个经济体系和社会能否稳定运行。如何有效识别信贷风险并做好应对是信
贷风险管理面临的首要问题。笔者就职于中信银行 S分行,为提高文章指导实践意
义,本文选取中信银行 S分行作为公司信贷风险管理研究对象。
本文在参考相关文献基础上,综合运用了归纳分析法、数据分析法和问卷调查
法,对中信银行 S分行公司信贷风险管理进行了研究,具体包括以下几个方面:一、
信贷风险管理概述。介绍了信贷风险的概念、信贷风险管理的内容和理论基础。二、
S分行信贷风险管理现状。首先分析了 S分行的基本情况,然后描述了信贷风险管
理流程,最后对 S分行公司信贷资产从多维度进行了评价分析。三、公司信贷风险
识别与评价。首先介绍了目前 S分行主要的公司信贷风险评价体系,然后指出存在
的问题,最后通过德尔菲法问卷调查方式完成专家经验打分卡方案,将原有分类标
准进行了优化。四、公司信贷风险管理问题及优化措施。主要从贷后管理、押品管
理、预警管理、客户集中度几个方面分析了存在的问题并分析了原因。针对公司信
贷风险管理中存在的问题并为保障专家经验打分卡在风险分类中有效评价,从数字
系统建设、信贷结构调整、提升素质文化的角度提出一系列公司信贷风险管理优化
措施。
关键词中信银行;公司信贷;风险管理;风险识别
I

Abstract
Abstract
In the current economic downturn affected by multiple negative internal and external
factors, the development of the real economy in China is facing multiple difficulties, with
the financial environment becoming increasingly poor, the balance of non-performing
loans of domestic commercial banks continuing to increase, and problems in credit risk
management gradually exposing. As the intermediary of financial integration, domestic
commercial banks' development affects the stability of China’s economy and society.The
primary problem of credit risk management to be solved lies in how to effectively identify
credit risks and deal with them. The author works at the S branch of China CITIC Bank. In
order to improve its guiding significance, this article selects the Shijiazhuang branch of
China CITIC Bank as the research object of companies’ credit risk management.
Inductive analysis, data analysis and questionnaire method are comprehensively used
in this article based on reference to relevant literature in order to study credit risk
management of the Shijiazhuang Branch of China CITIC Bank. In the first chapter, the
article gives an overview of credit risk management. The concept of credit risk, the
content and theoretical basis of credit risk management are introduced in this chapter. In
the second chapter, current status of credit risk management of Shijiazhuang branch is
introduced, first introducing the basic situation of Shijiazhuang branch, then describing its
credit risk management process, and finally evaluating and analyzing the credit assets of
Shijiazhuang branch from multiple dimensions. In the third chapter, credit risks are
identified and evaluations are made, first introducing the current credit risk evaluation
system of Shijiazhuang branch, then pointing out the current problems, and finally
fulfilling the program of scoring by expert evaluation through the Delphi method and
optimizing the original classification standards. In the fourth chapter, measures to optimize
companies’ credit risk management are given. Analysis of problems and contributing
factors in companies’ credit risk management is made, mainly analyzing the current
problems and reasons from the aspects of post-loan management, collateral management,
early warning management, and customer concentration. Aiming at the problems in
companies’ credit risk management and in order to ensure that the program of scoring by
expert evaluation is effectively evaluated in risk classification, a series of optimized
measures for companies’ credit risk management are proposed from the perspectives of
digital system construction, credit structure adjustment, and enhancement of cultural
industries.
III
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