学位论文原创性声明
本人所提交的学位论文《H银行个人信贷业务风险管理研究》，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 7日
2022年 5月 7日
学位论文版权使用授权书
本学位论文作者完全了解河北经贸大学有权保留并向国家有关部门或机构送交学
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
文的全部或部分内容编入有关数据库进行检索，可以采用影印、缩印或其它复制手段保
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 7日
2022年 5月 7日

摘要
随着我国市场经济的高速发展，出于资金周转、超前消费、投资理财等不同目的，
个人信贷资金需求量逐步扩大，个人贷款业务品种不断丰富完善，我国商业银行的个人
信贷业务也随之进入了迅猛发展的新时代。“十四五”时期，在国家继续扩大内需的战
略背景下，银行的个人信贷业务将迎来更为广阔的发展空间。个人信贷业务具备风险相
对分散、资产质量较高、利润空间较大的特点，日益成为商业银行最重要的业务和收益
来源之一。但是近年来由于金融环境不断变化、同业银行竞争不断加剧，个人贷款业务
数量愈来愈大，使得个人信贷业务风险研判和控制难度增大，已成为制约银行业健康发
展和社会经济良性有序运转的重要隐患，因此对个人信贷业务风险的研究和控制管理变
得尤为必要。
本文以 H银行为调研对象，着重对其个人信贷业务风险现状展开了调研剖析，通过
对国内外个人信贷业务发展规律、商业银行风险成因、银行个人贷款业务风险管理等方
面有关文献归纳总结基础上，重点针对 H银行个人贷款中不良贷款相关数据资料进行多
角度分析总结，研究表明 H银行在个人信贷风险管理中主要存在风险控制技术落后、风
险管理机制不健全、风险管理流程较为粗放、风险管理人员能力不足等问题。针对以上
问题从利用现代科技手段赋能风险管理、建立健全风险管理机制、梳理优化风险管理流
程、提高银行全员风险管理工作能力等方面提出了针对性的改进思路和对策。
本文针对性的研究思路和结论对 H银行降低个人信贷风险，有效提升银行经营绩效
具有一定的现实意义和实践价值，同时也对其它银行的个人信贷风险管理提供了借鉴参
考。
关键词：商业银行；风险管理；个人信贷
I

Abstract
With the rapid development of my country's market economy, for different purposes such
as capital turnover, advanced consumption, investment and wealth management, the demand
for personal credit funds has gradually expanded, the variety of personal loan business has
been continuously enriched and improved, and the personal credit business of my country's
commercial banks has also entered the market. a new era of rapid development. During the
"14th Five-Year Plan" period, under the strategic background of the country's continued
expansion of domestic demand, the bank's personal credit business will usher in a broader
space for development. Personal credit business has the characteristics of relatively scattered
risks, high asset quality and large profit margins, and has increasingly become one of the most
important business and revenue sources for commercial banks. However, in recent years, due
to the continuous changes in the financial environment, the intensified competition among
banks, and the increasing number of personal loan businesses, it has become more difficult to
judge and control the risks of personal credit business. Therefore, the research and control
management of personal credit business risks become particularly necessary.
This thesis takes Bank H as the research object, and focuses on the investigation and
analysis of the current situation of its personal credit business risk. By summarizing and
summarizing the basis of the relevant literature on the development law of personal credit
business at home and abroad, the causes of commercial bank risks, and the risk management
of personal loan business in banks, etc. In the above, it focuses on the multi-angle summary
and analysis of the data related to non-performing loans in the personal loans of Bank H. The
research shows that the risk management mechanism of personal credit in Bank H mainly has
imperfect risk management mechanism, backward risk control technology, insufficient risk
management personnel, and risks. Extensive management process and other issues. In
response to the above problems, improvement ideas and countermeasures are put forward
from the aspects of establishing and improving the risk management mechanism, using
modern scientific and technological means to empower risk management, improving the risk
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