I 摘要 随着我国市场经济的确立，我国经济得到了迅猛增长、各项建设有序进行，而商 业银行作为提供金融服务的重要机构，于提供贷款、扶持企业发展领域彰显着无法替 代的重要作用。尤其是随着我国城镇化建设的发展，农村地区的小微企业日益增多， 加上现如今一些农民拥有创业意识，因此对于贷款的需求也日益提升。近些年，我国 商业银行新增贷款规模稳步增长，但商业银行长期存在较为严重的问题依然是“重贷轻 管”，这不仅会给银行带来较大的风险，也不利于银行资产质量的提升，甚至会严重扰 乱我国正常的市场经济秩序。而随着新形势下商业银行经营理念的提升，我国商业银 行也普遍意识到加强贷后管理工作的重要性和必要性，纷纷通过一系列措施尤其是借 鉴外域金融机构的管理经验，但是取得的实质成效依然乏善可陈。 鉴于商业银行贷后管理的重要性，和新时期加强贷后管理对构建社会经济新秩序 的意义，本文选取济源农村商业银行作为研究对象，对该银行贷后管理进行深入探讨 和论证。通过文献资料法、案例分析法、对比研究法等研究方法，首先对研究目的和 意义，以及有关贷后管理的国内外研究现状进行论述；接着，就贷后管理的相关基础 理论进行剖析。最后，本文在深入分析济源农村商业银行贷后管理现状及存在相关问 题的基础上，得出提升济源农村商业银行贷后管理的策略。 主要通过以下五点解决提升济源农村商业银行贷后管理的策略：（1）全面提升贷 后管理的重要地位，提高重视程度；（2）完善贷后检查工作；（3）建立贷后管理风险 预警机制；（4）建立有效的奖惩机制；（5）建设一直高素质、现代化的信贷队伍。以 上措施对于全面提升济源农村商业银行的贷后管理质量，降低银行经营风险，增强银 行的核心竞争力具有重要的作用。同时，本文的研究对于我国其他商业银行更好地开 展贷后管理工作也具有一定的借鉴作用。 关键词：济源农村商业银行；贷后管理；信贷管理；风险管理 ABSTRACT III ABSTRACT With the establishment of China's market economy, China's economy has been rapid growth, the construction of orderly, and commercial banks, as an important institution providing financial services, play an irreplaceable role in providing loans and supporting the development of enterprises. Especially with the development of China's urbanization, the number of small and micro enterprises in rural areas is increasing, and now some farmers have entrepreneurial consciousness, so the demand for loans is also increasing. In recent years, the scale of new loans of China's commercial banks has increased steadily, but the serious problem of commercial banks for a long time is still "paying more attention to loans than management", which will not only bring greater risks to banks, but also be detrimental to the improvement of bank asset quality, and even seriously disrupt the normal market economic order in China. With the improvement of business philosophy of commercial banks under the new situation, China's commercial banks are generally aware of the importance and necessity of strengthening post loan management, and have adopted a series of measures, especially the management experience of foreign financial institutions, but the actual results are still not good. In view of the importance of the post-loan management of commercial banks, and the significance of strengthening the post-loan management in the new era for the construction of a new social and economic order, this paper selects Jiyuan Rural Commercial Bank as the research object to conduct in-depth discussion and demonstration of the post-loan management of the bank. Through literature, case analysis, comparative research and other research methods, first of all, the purpose and significance of the study, as well as the domestic and foreign research status of post loan management are discussed; then, the relevant basic theories of post loan management are analyzed. Finally, based on the in-depth analysis of the status quo of Jiyuan Rural Commercial Bank Post loan management and related problems, this paper concludes the strategies to improve the post loan management of Jiyuan Rural Commercial Bank. This paper mainly through the following five points to solve the strategy of improving the post loan management of Jiyuan Rural Commercial Bank: (1) comprehensively enhance the important position of post loan management and increase the degree of attention; (2) improve the post loan inspection work; (3) establish an early warning system for post loan 西北农林科技大学硕士学位论文 IV risk management; (4) establish an effective reward and punishment mechanism; (5) build a high-quality and modern credit team. The above measures play an important role in improving the quality of Jiyuan Rural Commercial Bank's post loan management, reducing the bank's operational risk and enhancing the bank's core competitiveness. At the same time, the study of this paper also has a certain reference for other commercial banks in China to better carry out post loan management. KEY WORDS：Jiyuan Rural Commercial Bank; Post-loan management; Credit management; Risk management 目录 V 目录 摘要 ........................................................................................................................................... I ABSTRACT ........................................................................................................................... III 第一章 绪论 .......................................................................................................................... 1 1.1 研究背景 .................................................................................................................... 1 1.2 研究目的和意义 ........................................................................................................ 1 1.2.1 研究目的 .......................................................................................................... 1 1.2.2 研究意义 .......................................................................................................... 2 1.3 国内外研究现状 ........................................................................................................ 3 1.3.1 国外研究现状 .................................................................................................. 3 1.3.2 国内研究现状 .................................................................................................. 4 1.3.3 研究评述 .......................................................................................................... 7 1.4 研究思路与研究方法 ................................................................................................ 8 1.4.1 研究思路 .......................................................................................................... 8 1.4.2 研究方法 .......................................................................................................... 9 1.5 研究的创新与不足 .................................................................................................... 9 1.5.1 创新之处 .......................................................................................................... 9 1.5.2 不足之处 ........................................................................................................ 10 第二章 商业银行贷后管理相关理论 ................................................................................ 11 2.1 商业银行贷后管理的概念及业务特点 .................................................................. 11 2.1.1 贷后管理的概念 ............................................................................................ 11 2.1.2 贷后管理的业务特点 .................................................................................... 11 2.2商业银行贷后管理的内容 ....................................................................................... 12 2.3商业银行贷后问题的成因理论 ............................................................................... 13 2.3.1 信用论 ............................................................................................................ 13 2.3.2 商业银行内在脆弱性理论 ............................................................................ 13 2.3.3 贷款客户关系及竞争理论 ............................................................................ 14 2.3.4 困境银行的经营行