I 摘要 网络技术现已被广泛运用于各行各业，为企业的创新发展带来了空前的机会。 对于企业发展而言，资金是一项必不可少的重要资源，那些处于成长阶段的企业为 了快速扩大自己的生产规模、创造更大的利润，需要向金融机构申请贷款，伴随企 业规模的不断扩张，其融资需求也会随之增大，这将引发诸多风险，而这些风险最 终很有可能会是由金融机构来承担的。因此，金融机构收到企业发出的贷款申请之 后，第一要务就是先科学评估贷款方的经营现状、财务情况、发展前景，并对贷款 风险的高低做出合理预估，进而决定是否向企业发放贷款。本研究将H银行当作研 究实例，围绕商业银行信贷风险展开全面探究，充分运用一系列先进的研究方法找 出其中的风险点，基于相应的指标展开评估分析，对降低商业银行信贷风险、减少 风险的负面影响给出了有益的建议。 首先，在分析商业银行风险管理相关概念的基础上，以H银行为例，从信贷风 险管理特征、信贷风险管理流程以及信贷风险管理体系三个方面研究了H银行信贷 风险管理现状。 其次，研究了H银行信贷风险管理的问题，主要包括风险防控意识有待加强、 信贷风险评估工作不到位、信贷风险评价不够科学以及不良贷款客户未及时清理。 而这些问题产生的原因在于信贷风险识别不及时、信用评估方案不科学、信贷风险 评价模型不完善以及客户信息调查工作不细致。 最后，结合问题及原因分析，提出H银行信贷风险管控对策，包括完善信贷风 险预警和识别机制、加强信贷风险评估执行力度、完善信贷风险评价模型以及优化 银行信贷风险管理流程。 关键词：银行信贷风险风险管理风险评估 Abstract II Abstract Networktechnologyhasbeenwidelyusedinallwalksoflife,bringingunprecedented opportunitiesfortheinnovationanddevelopmentofenterprises.Forthedevelopmentof enterprises,capitalisanessentialandimportantresource.Inordertorapidlyexpandtheir productionscaleandcreategreaterprofits,thoseenterprisesinthegrowthstageneedto applyforloansfromfinancialinstitutions.Withthecontinuousexpansionofenterprise scale,theirfinancingdemandwillincrease,whichwillleadtomanyrisks,Theserisksare likelytobebornebyfinancialinstitutionsintheend.Therefore,afterreceivingtheloan applicationfromtheenterprise,thefirstpriorityoffinancialinstitutionsistoscientifically evaluatetheoperatingstatus,financialsituationanddevelopmentprospectsofthelender, andmakeareasonableestimateoftheloanrisk,andthendecidewhethertograntloansto theenterprise.Inthisstudy,Hbankistakenasanexampletoconductacomprehensive studyonthecreditriskofcommercialbanks.Aseriesofadvancedresearchmethodsare fullyusedtofindouttheriskpoints.Basedonthecorrespondingindicators,theevaluation andanalysisarecarriedout,andsomeusefulsuggestionsaregiventoreducethecreditrisk ofcommercialbanksandthenegativeimpactoftherisk. Firstofall,basedontheanalysisoftherelatedconceptsofcommercialbankrisk management,takinghbankasanexample,thispaperstudiesthecurrentsituationofcredit riskmanagementofHbankfromthreeaspectsofcreditriskmanagementcharacteristics, creditriskmanagementprocessandcreditriskmanagementsystem.Secondly,itstudies theproblemsofcreditriskmanagementofHbank,mainlyincludingtheawarenessofrisk preventionandcontrolneedstobestrengthened,creditriskassessmentisnotinplace, creditriskassessmentisnotscientificenough,andnon-performingloancustomersarenot cleanedupintime.Thecausesoftheseproblemslieintheuntimelyidentificationofcredit risk,unscientificcreditevaluationscheme,imperfectcreditriskevaluationmodelandthe lackofdetailedcustomerinformationinvestigation.Finally,combinedwiththeanalysisof theproblemsandcauses,thepaperputsforwardthecreditriskcontrolcountermeasuresof Hbank,includingimprovingthecreditriskearlywarningandidentificationmechanism, strengtheningtheimplementationofcreditriskassessment,improvingthecreditrisk evaluationmodelandoptimizingthebankcreditriskmanagementprocess. Abstract III Keywords:Creditriskmanagementandriskassessmentofcommercialbanks 目录 IV 目录 摘要....................................................................................................................................I Abstract................................................................................................................................II 第1章绪论..........................................................................................................................1 1.1研究背景与意义......................................................................................................1 1.1.1研究背景.........................................................................................................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研究内容与方法......................................................................................................5 1.3.1研究内容.........................................................................................................5 1.3.2研究方法.........................................................................................................7 第2章相关概念及理论概述..............................................................................................8 2.1相关概念概述...........................................................................................................8 2.1.1商业银行的概念.............................................................................................8 2.1.2信贷风险的概念.............................................................................................9 2.1.3信贷风险管理...............................................................................................10 2.2风险管理相关理论.................................................................................................11 2.2.1风险识别理论...............................................................................................11 2.2.2风险评估理论...............................................................................................11 第3章H银行信贷风险管理现状....................................................................................14 3.1H银行简介..............................................................................................................14 3.2H银行信贷风险管理特征......................................................................................14 3.3H银行信贷风险管理流程......................................................................................15 3.4H银行信贷风险管理体系......................................................................................16 第4章H银行信贷风险管理问题及原因分析...............................................................18 4.1H银行信贷风险管理问题......................................................................................18 4.1.1风险防控意识有待加强...............................................................................18 4.1.2信贷风险评估工作不到位...........................................................................18 4.1.3信贷风险评价不够科学...............................................................................20 目录 V 4.1.4不良贷款客户未及时清理...........................................................................20 4.2问题产生的原因.....................................................................................................21 4.2.1信贷风险识别不及时...................................................................................21 4.2.2信用评估方法不科学...................................................................................21 4.2.3信贷风险评价模型不完善...........................................................................22 4.2.4客户信息调查工作不细致...........................................................................23 第5章H银行信贷风险管控对策....................................................................................24 5.1完善信贷风险预警和识别机制.......................................