信贷业务是商业银行的主要盈利渠道，而对公信贷业务又是整体信贷业务的核心。 所以商业银行若想持续发展，首先要保证整体的信贷业务安全稳步的发展，其基础是合 理控制好信贷业务中的风险因素。目前我国商业银行普遍缺乏完善的对公信贷风险控制 机制，导致商业银行对公信贷业务风险问题尤为突出。如何制定完善的对公信贷风险控 制机制是我国所有商业银行共同面临的问题。研究这一问题对于商业银行提升风险控制 等级，降低信贷损失率是十分有必要的。 本文对B银行对公信贷业务中的风险管理制度、风险识别和对公信贷业务流程等多 方面进行全方位的解析，在解析中发现B银行在对公信贷风险管理中的业务机制、整体 风险控制观念都需进一步完善和提高、缺少科学系统的对公风险管理体系和信贷业务信 息共享系统，同时找出了这些问题形成的原因。结合自己所学的知识，在全新的对公信 贷业务风险管理体系中，本文中针对B银行现状融入了风险识别体系、完善了信贷业务 准入机制、改进了现有的信贷业务审批环节和审批权限、规范了信贷业务操作流程、加 强了对公信贷业务日常管理制度、加强了贷后管理等工作。同时建立了相关保障措施， 可以使全新的对公信贷风险控制体系得以顺利地推动实施。 关键词：信贷业务；风险识别；风险控制；对公信贷 哈尔滨工程大学硕士学位论文 B银行对公信贷的风险识别与控制 ABSTRACT The credit business is the main profit channel of commercial Banks, and the public credit business is the core of the whole credit business. Therefore, in order to achieve sustainable development, commercial Banks must first ensure the safe and steady development of the overall credit business, and the basis for the safe and steady development of the credit business is to properly control the risk factors in the credit business. At present China's commercial Banks generally lack of perfect public credit risk control mechanism due to the lack of corresponding perfect mechanism for commercial Banks to public credit business risk problem is particularly prominent. How to establish a perfect risk control mechanism for public credit is a common problem for all commercial Banks in China. It is necessary to study this problem for commercial banks to improve risk control level and reduce credit loss rate. Toward the B bank risk management system of credit business risk identification, risk management techniques, and approaches to carry on the omni-directional analytical aspects of credit business process, found in the parsing toward B Banks in credit risk management of organizational structure, the overall bank for risk control ideas are generally toward behind, lack of scientific system of risk management system and lack of credit business problems such as information sharing system, At the same time, the causes of these problems are found out. With his knowledge, the new approaches to credit risk management system, we integrate the risk identification system, improve the credit business access mechanism, improvement of the existing credit business links and the examination and approval authority of examination and approval, standardize the credit business operation process, to strengthen the probability of credit business daily management system, and strengthen the loan management work, in the system, the technical risks don't trinity system down and deal with all the risks. At the same time, the establishment of relevant safeguard measures can make the new corporate credit risk control system smoothly promote the implementation. Key words: Credit business; Risk identification; Risk control; Contrary to the credit 哈尔滨工程大学硕士学位论文 目 录 第1章 绪论......................................................................................................................1 1.1 论文研究背景、目的及意义.................................................................................1 1.1.1 论文研究背景..................................................................................................1 1.1.2 论文研究目的及意义......................................................................................2 1.1.2.1 论文研究目的...............................................................................................2 1.1.2.2 论文研究意义...............................................................................................2 1.2 国内外研究现状.....................................................................................................2 1.2.1 国外研究现状..................................................................................................3 1.2.2 国内研究现状..................................................................................................3 1.2.3 国内外研究评述..............................................................................................4 1.3 论文研究思路和研究方法.....................................................................................5 1.3.1 论文研究思路..................................................................................................5 1.3.2 论文研究方法..................................................................................................6 1.4 论文的创新之处.....................................................................................................7 第2章 B银行对公信贷业务风险控制现状..................................................................8 2.1 B银行对公信贷业务发展现状..............................................................................8 2.1.1 B银行基本情况...............................................................................................8 2.1.2 B银行对公信贷业务情况...............................................................................8 2.2 B银行对公信贷风险控制现状............................................................................12 2.2.1 B银行对公信贷风险管理组织架构及职责.................................................12 2.2.2 B银行对公信贷风险控制流程.....................................................................12 2.3 B银行对公信贷风险控制存在的问题..............................................................13 2.3.1 B银行对公信贷管理人员不足、机制不完善.............................................13 2.3.2 B银行对公风险管理意识落后.....................................................................14 2.3.3 B银行对公信贷风险信息系统有待完善.....................................................15 2.4 B银行对公信贷风险控制存在问题成因分析....................................................16 B银行对公信贷的风险识别与控制 2.4.1 B银行风险管理人员、机制不完善形成原因.............................................16 2.4.2 B银行对公风险管理意识落后形成原因.....................................................17 2.4.3对公信贷风险缺乏科学系统管理形成原因.................................................18 2.5 本章小结...............................................................................................................18 第3章 B银行对公信贷风险源及识别........................................................................19 3.1 B银行对公信贷经营及信贷风险特点................................................................19 3.1.1 B银行对公信贷经营特点.............................................................................19 3.1.2 B银行对公信贷风险特点.............................................................................19 3.1.3 B银行对公不良授信情况.............................................................................20 3.2 B银行对公信贷风险源........................................................................................20 3.2.1 B银行对公信贷中的信用风险.....................................................................21 3.2.2 B银行对公信贷中的操作风险.....................................................................21 3.2.3 B银行对公信贷中的市场风险.....................................................................21 3.3 B银行对公信贷业务风险识别............................................................................21 3.3.1 信贷业务前期风险识别方法........................................................................22 3.3.2 信贷业务中期风险识别方法........................................................................23 3.3.3 信贷业务后