我国政府工作报告对城市商业银行发展的重要性做出了明确阐述，认为城市商业 银行作为我国金融机构的重要组成部分，在推动我国社会经济发展、促进地方中小企 业发展壮大、提高地方居民生活水平方面发挥了重要作用。近些年来，我国城市商业 银行的数量和规模也随之扩大，城市商业银行的资产规模也呈大幅度趋势增长。随着 社会的不断进步，我国逐步进入了信用经济潮流中，信用经济的运行和发展对社会金 融结构产生了重大影响，商业银行信用风险事件也频频发生。 目前我国社会经济的发展步入了经济新常态环境，对于社会经济发展环境的改变， 企业之间竞争压力不断加剧，违约现象增多，中小企业的信贷业务又是城市商业银行 主营业务之一，这就严重影响了城市商业银行健康稳定发展。因此，城市商业银行信 用风险方面的管理，就成为了能否化解这些问题的关键。如果此问题不能进行科学、 合理的解决，不仅会对城市商业银行的发展造成极大的威胁，也会对我国的社会经济 结构产生重大冲击。基于以上背景，笔者认为城市商业银行信用风险问题已经威胁到 社会经济的发展，对城市商业银行信用风险问题的解决已迫在眉睫。所以在此背景下， 本文选择在对城市商业银行信用风险进行了研究。文章首先介绍了文章的研究背景意 义，然后介绍了文章的理论情况，并根据对商业银行信用风险的现状分析了河北A商 业银行的信用风险及管理情况，通过对其问题的分析有针对性的提出了相应的完善建 议。 关键词：商业银行；信用风险管理；风险监控 河北省河北A商业银行信用风险管理对策研究 II Abstract The report of our government clearly expounds the importance of the development of urban commercial banks. As an important part of China's financial institutions, urban commercial banks play an important role in promoting China's social and economic development, promoting the development and growth of local small and medium-sized enterprises, and improving the living standards of local residents. In recent years, the number and scale of urban commercial banks in China have also expanded, and the asset scale of urban commercial banks has also shown a large trend. With the continuous progress of society, China has gradually entered the trend of credit economy. The operation and development of credit economy have had a significant impact on the social and financial structure, and the credit risk incidents of commercial banks have also occurred frequently. At present, China's social and economic development has entered a new normal economic environment. With the change of the social and economic development environment, the pressure of competition among enterprises is increasing, and the phenomenon of breach of contract is increasing. The credit business of small and medium-sized enterprises is one of the main business of city commercial banks, which seriously affects the health and stability of city commercial banks. Development, therefore, the management of credit risk of city commercial banks has become the key to solve these problems. If this problem can not be solved scientifically and reasonably, it will not only pose a great threat to the development of urban commercial banks, but also have a great impact on China's social and economic structure. Based on the above background, the author believes that the credit risk of urban commercial banks has seriously threatened the development of social economy, and the solution of the credit risk of urban commercial banks is imminent. Therefore, under this background, this paper chooses to study the credit risk of city commercial banks. This paper first introduces the background and significance of the article, then introduces the theoretical situation of the article, and according to the current situation of the credit risk of commercial banks, it analyses the credit risk and management of Bank A, and puts forward corresponding suggestions for improvement through the analysis of its problems.