近几年,我国商业银行面临更加复杂多变的金融形势,从宏观层面来看,美

国、欧洲、日本的量化宽松货币政策使全球流动性充裕,大宗商品价格持续攀升,

全球性通胀压力增大;欧洲主权债务危机使欧洲国家大幅削减财政支出,加之人

民币升值压力,出口形势不容乐观;我国把稳定物价作为宏观调控的首要任务,

实施稳健货币政策,国内投资和消费都会受到抑制。从微观层面看,国家对经济

结构的战略性调整、节能减排和保护环境力度的加大,以及对房地产的持续调控

和政府融资平台的清理,使一些高排放的落后产能、实力弱的房地产企业、过度

负债的地方政府融资平台面临被淘汰或资金链断裂风险,商业银行不良贷款反弹

、 压力增大。如何认识信贷风险的成因,加强对信贷风险的管理与控制、防范和化

解,已成为我国商业银行经营管理活动中迫切需要解决的问题。

本文通过对中国建设银行QD分行信贷业务开展情况、信贷风险管理情况进

行实证研究,对比信贷风险管理的先进做法,指出建设银行在信贷结构、信贷审

批流程、风险控制方面存在的问题,进一步结合该行的实际,从信用风险、操作

风险和市场风险控制等方面提出建议。

关键词:商业银行信贷结构风险管理

ABSTRACT

In recent years, Chinese commercial banks are facing more complex financial

situation. From a macroscopic perspective, United States, Europe, Japan's quantitative

easing monetary policies made an abundant global liquidity. Commodity prices

continued to climb, increasing global inflationary pressures; the European sovereign

debt crisis made European countries drastically cut fiscal spending; coupled with the

pressure of RMB appreciation, the export situation in China is not optimistic. China

saw the price stability as the primary task for macro-control .We carried out the

implementation of prudent monetary policy. Domestic investment and consumption

will be subdued. From a microscopic point of view, national strategic adjustment of the

economic structure,increase of energy conservation and environmental protection, as

well as the regulation of real estate and cleaning up of government financing platforms

made high emission of backward production capacity, excessive debt,weak strength of

the real estate enterprises of local government financing vehicles risk being left behind

or risk capital chain rupture. Rebound in banks 1 non-performing loans increased

pressure. How to understand the causes of credit risk,strengthen credit risk

management and control, prevention and、solution has become the urgent problems to

be solved in the management of commercial banks.

This article through the QD branch of China Construction Bank credit business,

credit risk management carried out an empirical study and comparing credit risk

management of commercial banks at home and abroad advanced practices, pointed out

the problems of China Construction Bank in the credit structure, credit approval

process and risk management. It also raised practical responses for the development

and management in the future.

KEY WORDS: Commercial banks Credit structure Risk Management