本文内容共分为六个部分，第一章阐述了研究背景和意义、国
内外研究现状，第二章介绍了商业银行信贷风险控制的概念和分类
及相关理论基础，第三章主要是关于国外商业银行信贷风险控制的
经验分析，第四章对 HR 银行信贷业务基本情况进行分析，整体把握
银行信贷风险控制的现状、存在的问题和成因分析，对银行存在的
信贷风险意识不强、管理体制不够健全、信贷客户评价制度薄弱等
问题，主要是从银行自身、借款人及外部环境等三方面进行原因探
究。第五章主要是针对银行信贷风险，构建了可衡量的综合评价模
型，从测量方式上具有了可靠的参考依据
综合之前的分析，进一步验证了对银行信贷风险控制进行综合
评价的存在的必要性，在第五章系统构建了银行信贷风险控制综合
评价模型，该模型从风险评估、控制活动等五要素出发，设置和选
取不同指标的构建信贷风险控制的综合模型。最后，运用所构建的
综合评价模型，根据综合评价结果，提出完善银行信贷风险的措
施。预期研究结果不仅能为 HR 银行信贷风险控制予以指导，还能对
同行业银行信贷风险控制工作提供参考思路和模式。II
关键词：HR 银行；风险控制；信贷风险III
ABSTRACT
At present, the domestic commercial bank credit risk control is in the
construction phase, both the control technology in the system, or in the
methods and concepts, Commercial bank credit problem is an urgent
problem, otherwise it will only affect the sustainable development of the
bank, and will lose the interests of customers.
The risks inherent in strong, can effectively prevent and control
credit risk, also cannot meet the higher the scope and level of competition
at home and abroad, to improve the level of credit risk control, strengthen
the reform and innovation of credit risk control.This paper is divided into
six parts ， the first chapter expounds the research background and
significance,the second chapter introduces the basic concept and
classification of commercial bank credit risk control and related theory,
the third chapter is mainly about the control of the foreign commercial
bank credit risk experience analysis, the fourth chapter analyzes the
present situation of credit business of bank HR, grasp the basic situation
of credit risk control, the problems and causes of the credit risk of banks
is not strong sense of existence, the management system is not perfect,
the problem of credit customer evaluation system is weak, mainly from
the three aspects of the bank itself, the borrower and the external
environment and other reasons. The.IV
Comprehensive analysis before, further proves the necessity of
comprehensive evaluation of bank credit risk control, the fifth chapter
constructs the comprehensive evaluation model of bank credit risk
control, the risk assessment, control activities of the five elements,
settings and select different indicators, and constructs the comprehensive
model of credit risk control. Finally, by using the comprehensive
evaluation model, according to the evaluation results, put forward to
perfect the credit risk measures. The expected results can not only give
guidance for HR bank credit risk control, but also for the industry of bank
credit risk control work to provide reference ideas and models.
Keywords:HR bank; risk control; credit risk硕士学位论文
V
目 录
摘要..III
ABSTRACT..III
第 1 章 绪论..1
1.1 研究目的和意义...........1
1.1.1 研究目的.1
1.1.2 研究意义.1
1.2 国内外研究现状........2
1.2.1 国外研究现状.....2
1.2.2 国内研究现状.....3
1.3 研究的方法与思路.......4
1.3.1 研究方法.5
1.3.2 研究思路5
1.4 论文的结构框架...........5
第 2 章 商业银行信贷风险控制理论基础......7
2.1 商业银行信贷风险控制概述...7
2.1.1 商业银行信贷风险的涵义及分类.........7
2.1.2 商业银行信贷风险控制的涵义与内容.8
2.2 商业银行信贷风险控制相关理论.......9
2.2.1 不对称信息经济理论.....9
2.2.2 委托代理理论...10
2.2.3 巴塞尔新协议...10
第 3 章 国外商业银行信贷风险控制的经验借鉴..13
3.1 富国银行的风险控制.13
3.2 花旗银行的风险控制.13
3.3 德意志银行风险控制.14
3.4 国外商业银行风险控制的经验及启示.........14
第 4 章 HR 银行信贷风险控制现状、问题及成因 16
4.1 HR 银行概况.. 16
4.1.1 基本情况...........16
4.1.2 组织结构...........16
4.1.3 主要经营业务...18
4.2 HR 银行信贷风险控制现状.. 20
4.2.1 资金运营单一..24HR 银行信贷风险控制研究
VI
4.2.2 信贷投向行业集中.......25
4.2.3 银行信贷客户集中.......26
4.2.4 信贷区域集中...27
4.3 HR 银行信贷风险控制存在的问题.. 28
4.3.1 信贷客户评价制度薄弱...........28
4.3.2 内部牵制机制存在漏洞...........28
4.3.3 信贷风险意识不强.......28
4.3.4 管理体制不够规范.......2
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