分类号：F27 学校代码：10596
密级：公开 学号：2220201267
硕士学位论文
（非全日制专业学位硕士）
A 商业银行信贷业务风险管理研究
研 究 生 姓名 ： 黎麒
导师 ： 黎昌贵 副教授
学科专业 ： 工商管理
研究方向 ： 金融与投资管理
所在单位 ： 商学院
二〇二二年六月
Thesis for Master Degree
Research on credit business risk
management of A commercial bank
Graduate
Li Qi
Student：
Supervisor： Prof. Li Changgui
Major：Business Administration
Direction of
Finance and investment
Study：management
Affiliation：Business college
June, 2022 摘要
随着“互联网+”时代的到来，我国经济得到了突飞猛进发展，科技的进
步推动了地方经济效益高速增长，小微型地方企业规模也不断扩大。小微型
企业的迅速发展给地方性商业银行的信贷业务带来了新的机遇与挑战。信贷
业务是地方性商业银行的主要利润来源，而信贷业务的风险从根源上影响着
地方性商业银行信贷业务的发展。只有做好信贷业务风险管理才能提高地方
商业银行的盈利水平，为当地企业带来可靠的资金保障，从而持续推动当地
经济的发展。然而，目前A 商业银行的信贷业务风险管理体系和评价方法都
未能跟上时代的发展，并未达到满足当地企业发展的需求。因此，对于 A 商
业银行信贷业务风险管理进行进一步研究和改革是很有必要的。
本文通过对国内外商业银行的发展和现状研究，分析A 商业银行信贷业
务风险管理现状，总结 A 商业银行信贷业务风险管理存在的不足，提出了针
对其问题的对策。首先，分析国内外商业银行的现状与发展，提出本文的研
究背景和意义。其次，针对 A 商业银行信贷业务风险的分类和特征进行分析，
结合当地N 市的政策要求、经济发展和新型企业的发展，分析出当地企业的
信贷业务需求，找到 A 商业银行信贷产品的优势与不足、信贷业务流程中存
在的风险点。最后，通过梳理 A 商业银行的整个信贷管理流程和评估方法进
行进一步研究，分别从政府、商业银行行业以及 A 商业银行管理等方面提出
针对性的策略和建议。
本文通过分析了解 A 商业银行信贷业务风险管理存在的不足，分析了当
地企业对系统风险管理和信贷业务的需求，提出了相应的对策建议，为构建
一个科学完善的信贷风险管理体系提供理论依据，以保障 A 商业银行信贷业
务的经营，提高银行的盈利能力，降低A 商业银行信贷业务风险，推动当地
经济发展。
关键词：风险管理；商业银行；信贷业务；管理流程
IAbstract
With the advent of the "Internet plus" era, China;s economy has been
developing rapidly, and has promoted the rapid development of local economy. At
the same time, local small and micro enterprises have sprung up. The rapid
development of local small and micro enterprises has brought new opportunities
and challenges to the credit business of local commercial banks. Credit business is
the main source of income for local commercial banks. Only by doing a good job
in credit business risk management can we improve the profitability of local
commercial banks and bring reliable capital guarantee to local enterprises, so as to
promote the development of local economy. However, at present, the credit
business risk management system and evaluation methods of a commercial bank
can not keep up with the development of the times and can not well meet the
development needs of local enterprises. Therefore, it is necessary to further study
and reform the credit business risk management of a commercial bank.
Through the research on the development and current situation of commercial
banks at home and abroad, this paper analyzes the current situation of credit risk
management of commercial bank a, summarizes the shortcomings of credit risk
management of commercial bank a, and puts forward countermeasures for its
problems. In this subject, firstly, it analyzes the current situation and development
of commercial banks at home and abroad, and puts forward the research
background and significance of this subject. Secondly, it analyzes the classification
and characteristics of the credit business risk of a commercial bank, combined with
the policy requirements, economic development and the development of new
enterprises in local a city, analyzes the credit business needs of local enterprises,
and understands the advantages and disadvantages of the credit products of a
commercial bank. Finally, through the further reform of the whole credit
management process and evaluation methods of a commercial bank, this paper puts
forward targeted strategies and suggestions from the aspects of the government,
the banking industry and a commercial bank.
By analyzing and understanding the shortcomings of the credit business of a
commercial bank, this paper analyzes the needs of local enterprises for system risk
management and credit business. It puts forward corresponding countermeasures
and suggestions to provide a theoretical basis for building a scientific and perfect
II