Z银行W分行信贷风险管理的研究 摘要
I
摘 要
商业银行不仅是国民经济发展的主体也是我国经济整体发展的重要支柱，信
贷业务是商业银行获取利润的主要方式，同时也是引起经营风险的主要因素之一
当前我国经济处于转轨的重要时期，商业银行业务不断转型，信贷风险管理一直
是商业银行经营管理中举足轻重的关键存在，不仅关系着银行自身的经营，也关
系着国家宏观经济的的长治久安，因此防范金融风险、维护金融稳定具有重要意
义
本文以目前经济形势下商业银行信贷风险管理背景为抓手，首先对国内外商
业银行信贷风险管理文献进行了阐述，由此展开实证分析，以Z银行W分行为例，
描述Z银行W分行信贷风险管理现状，阐述目前该行所采用的信贷风险管理的措
施，分析该行目前在信贷风险管理中存在的问题，从实际出发提出相应的对策与
建议，列举应采取的措施；最终强调信贷风险管理对商业银行持续稳定优质发展
的必要性和重要性。借用 Z银行W分行目前的情况反映我国主流商业银行在信贷
风险管理中存在的普遍现象，将理论运用到信贷风险管理的实务之中，期望对我
国商业银行信贷风险管理的优化具有借鉴作用
关键字：商业银行 信贷风险信贷风险控制
作者：王倩
指导老师：许叶枚
英文摘要 Z银行W分行信贷风险管理的研究
Abstract
Commercial banks are not only the main partment of the development of the national
economy, but also the important pillar of the overall economic development of our country.
The credit business is the main way for the commercial banks to obtain profits, and is also
one of the main factors that cause the operation risk. At present, our country's economy is in
an important period of transition, and the business of commercial banks is constantly
changing. Credit risk management has always been the key to the management of
commercial banks. It is not only related to the management of the banks themselves, but also
the long-term stability of the national macro-economy. Therefore, the prevention of financial
risks and the maintenance of financial stability can be achieved. It is of great significance.
This article takes the credit risk management background of commercial banks as the
starting point under the current economic situation, First, the literature on credit risk
management of commercial banks at home and abroad is expounded, thus an empirical
analysis is carried out from this, take Z bank W branch as an example, describe the Z bank
W branch credit risk management status, explain the current bank of credit risk
management .This paper analyzes the existing problems in the credit risk management, puts
forward the corresponding countermeasures and suggestions from the actual situation, and
lists the measures to be taken, and finally emphasizes the necessity and importance of credit
risk management to the continuous and stable and quality development of commercial
banks. The current situation of Z bank W branch reflects the common phenomenon in the
credit risk management of the mainstream commercial banks in China, and applies the
theory to the practice of credit risk management, and expects to have a reference for the
optimization of the credit risk management of commercial banks in China.
Key words：commercial bank; credit risk; credit risk control
Written by：Wang Qian
Supervised by：Xu Yemei
II。