学位论文原创性声明
本人所提交的学位论文《 S农商银行信贷风险管理研究》，是在导师的指导下，
独立进行研究工作所取得的原创性成果。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研究成果。对本文的研究做出重要贡献的个人
和集体，均已在文中标明。
本声明的法律后果由本人承担。
论文作者（签名）：
指导教师确认（签名）：
2022年 5月 15日
2022年 5月 15日
学位论文版权使用授权书
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位论文的复印件和磁盘，允许论文被查阅和借阅。本人授权河北经贸大学可以将学位论
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存、汇编学位论文。
（保密的学位论文在
年解密后适用本授权书）
论文作者（签名）：
指导教师（签名）：
2022年 5月 15日
2022年 5月 15日

摘要
作为服务县域和乡镇的传统金融机构，农村商业银行一直承担着为“三农”服务的
重要任务，支持农村经济发展和中小企业发展是农村商业银行的使命。经过近年来不断
加强经营与管理，农商行取得一定进步，但是与其他商业银行相比，其预警机制和信贷
风险管理等方面仍需要进一步强化。本文选择县域金融机构 S农商行为研究对象，发现
其在信贷风险管理工作中出现的问题，并分析原因，最后提出相应对策，希望对其信贷
管理工作有一定的帮助。
本文首先在绪论中说明了研究的背景与意义，归纳总结了国内外关于信贷风险管理
的相关文献，较为全面掌握商业银行信贷理论及演变过程，细致分析信贷风险的内容和
规律，进而说明本文的研究基本方法和结构。紧接着梳理了商业银行信贷风险防控的相
关理论，介绍 S农商行基本情况及信贷风险防控的现状。运用问卷调查法和层次分析法，
发现该行在信贷风险防控中存在操作风险和道德风险、预警机制不完善、客户自身抗风
险能力弱、信贷风险管理制度不健全等问题；继而分析问题的成因，主要表现为内控制
度不完善、从业人员风险意识淡薄、外部宏观经济的影响和资金实力水平低等方面；最
后有针对性提出相应对策：建立高灵敏度风险预警系统、完善信贷风险激励和问责机制、
加强贷款基础管理、提高信贷人员整体素质、提高盈利水平。
本文将农商银行信贷风险管理作为研究重点，有利于深入探究信贷风险相关理论内容，
且以 S农商行为实际案例进行分析，有利于 S农商银行为县域提供更好的服务，在一定程度
上弥补信贷风险管理中存在的漏洞，进一步丰富了金融领域风险管理研究内容。
关键词：S农村商业银行；不良贷款；信贷风险管理；风险预警
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Abstract
As a traditional financial institution serving counties and towns, rural commercial banks
have been undertaking the important task of serving "agriculture, rural areas and farmers",
and supporting the development of rural economy and small and medium-sized enterprises
has always been the mission of rural commercial banks. Through continuous strengthening of
operation and management in recent years, RURAL Commercial Bank has made some
progress, but compared with other commercial banks, its early warning mechanism and credit
risk management still need to be improved in many aspects. This thesis chooses the rural
business behavior research object of the county financial institution S, finds its problems in
the credit risk management, analyzes the causes, and finally puts forward corresponding
countermeasures, hoping to be of some help to its credit management.
This thesis first explains the background and significance of the research in the
introduction, summarizes the relevant literature on credit risk management at home and
abroad, comprehensively master the credit theory and evolution process of commercial banks,
carefully analyze the content and law of credit risk, and then build the basic research method
and structure of this thesis. Then it combs the relevant theories of credit risk prevention and
control of commercial banks, introduces the basic situation of S Rural Commercial Bank and
the status quo of credit risk prevention and control.Through questionnaire survey and analytic
hierarchy process, it is found that the problems in the credit risk prevention and control of the
bank mainly include operational risk and moral hazard, the early warning mechanism is not
perfect, customers' own risk resistance ability is weak, the credit risk management system is
not perfect and so on. Then it points out the causes of the problems, which are mainly
manifested as imperfect internal control system, weak risk awareness of employees, external
macroeconomic influence and low level of capital strength.Finally, corresponding
countermeasures are put forward, including establishing high sensitivity risk warning system,
perfecting credit risk incentive and accountability mechanism, strengthening loan foundation
management, improving the overall quality of credit personnel and improving profitability.
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