AZK 银行重视对信贷风险的有效识别和防范，努力探索建立加强客户信贷
风险管理的机制和方法，但是在信贷风险管理机制上还存在欠缺。AZK 银行目
前存在信贷资产结构失衡、客户信息披露审查不严谨、信贷风险分析方法不完善、
信贷风险管理观念较陈旧、缺乏专业独立的风险管理队伍、当地政府的过度干预、
市场信息不对称等问题。由此导致 AZK 银行信贷资产质量存在较大的风险，严
重制约了银行的发展。如何对信贷风险进行有效管理是目前学术领域以及商业银
行急需应对的问，本文由此提出了加强 AZK 银行信贷风险有效管理的对策建议
论文在管理学、金融学等理论的基础上，对当前国内外信贷风险管理文献进
行了梳理，在对当今信贷业务的风险管理情况进行了归纳总结，对存在的问题进
行了揭示并实现了原因分析。借鉴国内外主流的信贷风险管控手段，基于提升风
险管理理念、健全风险管理系统、优化风险管控方法等角度出发，就如何促进银
行风险管理水平的提高进行了探讨，以此不断地推动商业银行信贷风险管理工作
的快速发展
关键词：信贷风险；有效管理；对策建议山东理工大学硕士学位论文 ABSTRACT
II
ABSTRACT
In recent years, the rapid development of market economy, the domestic
commercial bank credit policy easing gradually, the competition between
commercial Banks has intensified, the challenge for the commercial Banks in the
process of our development is more and more serious. With the continuous
adjustment of the economic environment, the market demands higher requirements
for commercial Banks, especially the need to improve the risk management level of
commercial Banks. In the process of expanding credit, commercial Banks need to
raise the awareness of risk management, formulate scientific and effective strategies
for credit risk, and reduce risks sufficiently. This requires commercial Banks to
attach importance to the control of credit risk, optimize and adjust the existing
control system, and strengthen the analysis of credit data. It is necessary to analyze
and study credit risk management of commercial Banks.
AZK bank attaches great importance to the effective identification and
prevention of credit risk, trying to explore to set up mechanisms and methods to
strengthen the management of customer credit risk, but there are still lack of the
credit risk management mechanism.Azt imbalance in the structure of bank credit
assets at present, the customer information disclosure review is not rigorous, credit
risk analysis method is not perfect, credit risk management idea is obsolete, lack of
professional independent risk management team, the excessive intervention of local
governments, such as market information asymmetry problem.The resulting azt bank
credit asset quality of the risk of a larger seriously restrict the development of
Banks.How to effectively manage the credit risk is one of the academic field as well
as the commercial Banks need to ask, in this paper, thus put forward to strengthen the
management of azt bank credit risk effective countermeasures and Suggestions.
Paper on the basis of the theory of management, finance and so on, this paper
analyzes on the current credit risk management literature at home and abroad, in the
current credit risk management situation has carried on the induction summary, to
reveal existing problems and cause analysis is realized. Mainstream at home and
abroad for reference, the means of controlling the credit risk, based on the improve
risk management concept, perfect risk management system, optimization of risk
control methods such as perspective, how to promote the improvement of Banks&39; risk
management are discussed in this paper, in order to continuously promote the rapid
development of commercial bank credit risk management.
Key words : Credit Risk ； Effective Management ； Countermeasures and
Suggestions山东理工大学硕士学位论文 ABSTRACT
III
目 录
摘要I
ABSTRACT..... II
目 录.........III
第一章 引 言......1
1.1 选题背景........1
1.2 研究意义........2
1.2.1 理论意义..........2
1.2.2 实践意义..........2
1.3 研究方法与技术路线..........3
1.3.1 研究内容..........3
1.3.2 研究内容..........3
1.3.3 技术路线..........4
1.4 国内外研究综述.......4
1.4.1 国外相关研究综述....4
1.4.2 国内相关研究综述....5
1.5 本文的研究思路.......8
第二章 商业银行信贷风险管理理论概述9
2.1 商业银行信贷风险的现状分析..... 9
2.1.1 商业银行信贷风险的概念和特点..9
2.1.2 商业银行信贷风险的成因..9
2.1.3 商业银行信贷风险识别.....10
2.1.4 商业银行市场风险识别..... 11
2.1.5 商业银行操作风险识别.....12
2.1.6 商业银行信贷风险对金融环境的影响...12
2.2 商业银行信贷风险管理相关理论...........13
2.2.1 商业银行信贷风险管理的含义及特征...13
2.2.2 商业银行信贷风险管理理论.........13
2.2.3 商业银行提升信贷风险管理的必要性...15
第三章 AZK 银行信贷风险现状及存在问题分析..
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