随着我国经济快速发展，也推动了我国个人贷款业务的发展。各大商业银行纷纷 推出各种个人贷款业务，以满足不同人群的不同需求。但与此同时，由于银行对个人贷 款业务的信用风险管理不善，也导致了大量不良贷款的增加，对银行的发展带来了极大 的不利影响。A银行作为中国邮政储蓄银行的下属分行，地处四川省阿坝州，其个人贷 款业务在近五年发展迅速，个人贷款总量不断攀升，个人贷款业务种类不断丰富。但随 之而来的不良贷款金额也在增加，特别是个人保证贷款，2019年不良贷款率已高达6.13 ％，加强对该银行个人保证贷款的信用风险管理对该银行个人贷款业务的良好发展起着 至关重要的作用。 本文在分析个人保证贷款信用风险的特点以及介绍其信用风险管理方法的基础 上，运用信息不对称理论和委托代理理论，对A银行个人保证贷款业务信用风险管理 现状进行分析，发现其风险管理机构设置及岗位职责不够准确、还款能力和还款意愿调 查不够充分、风险评估不够准确、贷款资金流向监控不够严格、经营情况掌握不够全面、 风险预警机制不够健全、风险处置手段较为单一等问题。再进一步分析这些问题产生的 原因，主要有绩效考核方式不合理、风险管理人员短缺且专业素质较低、风险管理信息 系统落后等。最后针对这些问题和产生的原因，提出了优化风险管理机构设置和岗位职 责、提高管理层和员工的风险管理意识和能力、加强贷款业务流程风险管理、改进风险 管理方法以及健全风险管理信息系统等各方面的措施建议，以提高A银行个人贷款信用 风险管理水平。 本文对于A银行个人保证贷款信用风险管理的研究成果不仅有利于提升A银行个 人保证贷款业务信用风险管理水平的提升，进而促进该银行个人保证贷款业务的良好发 展，而且对该银行其他个人贷款业务以及其他银行个人贷款业务信用风险管理也有一定 的借鉴作用。 关键词：A银行；个人保证贷款；信用风险；风险管理 II Abstract The rapid development of China's economy also promotes the development of personal loan business. Various commercial banks have launched various personal loan businesses to meet the different requirements of different groups. But at the same time, due to the bank's poor credit risks management of personal loan business, it also led to the increase of a large number of non-performing loans, which had a great adverse impact on the development of the bank. Bank A, as a branch of Postal Savings Bank of China, is located in Aba Prefecture, Sichuan Province. Its personal loan business has developed rapidly in the past five years, the total amount of personal loans has been increased, and the types of personal loan business have been enriched. However, the amount of non-performing loans is also increasing, especially the personal guarantee loans. In 2019, the non-performing loan ratio has reached 6.13%. Strengthening the credit-risk management of the personal guarantee loans plays a crucial role in the good development of the personal loan business of the bank. On the basis of defining the characteristics of the credit-risk and the methods of credit-risk management of personal guarantee loan, the thesis analyzes the current situation that what measures have been taken by Bank A to manage the credit-risk of the personal guarantee loan business by using information asymmetry theory and principal-agent theory, and finds out that there are many problems in the risk management organization and its post responsibilities, investigation of repayment ability and willingness of debtors, risk assessment, monitoring of loan capital flow, informing of management of debtors, risk early-warning and risk disposal. And then, the thesis analyzes the causes of these problems, mainly including unreasonable performance appraisal methods, insufficient professional personnel and professional quality, and backward risk management techniques. Finally, in view of these problems and the causes, the thesis puts forward suggestions on optimizing the risk management organization and post responsibilities, improving the risk management awareness and ability of personnel, improving the risk management process, improving the risk management methods and improving the risk management technology. The results of the research in this thesis for the personal guarantee loan credit risk III management of Bank A are not only conducive to improving the level of personal guarantee loan business credit risk management of Bank A, but also have a certain reference for other personal loan business and personal loan business credit risk management of other banks. Key words: Bank A; personal guarantee loan; credit-risk; risk management 目 录 摘要....................................................................................................................I Abstract...............................................................................................................II 第1章 绪 论.......................................................................................................1 1.1研究背景及研究意义...................................................................................................1 1.1.1研究背景.............................................................................................................1 1.1.2研究意义.............................................................................................................2 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 1.2.3研究述评.............................................................................................................5 1.3研究的主要内容、思路和方法...................................................................................5 1.3.1研究内容.............................................................................................................5 1.3.2研究思路.............................................................................................................6 1.3.3研究方法.............................................................................................................7 第2章 相关概念界定及理论基础.....................................................................9 2.1相关概念的界定...........................................................................................................9 2.1.1个人保证贷款业务的概念及特点.....................................................................9 2.1.2个人保证贷款业务信用风险的概念及来源...................................................10 2.1.3个人保证贷款业务信用风险管理概念、程序及方法...................................10 2.2 理论基础....................................................................................................................14 2.2.1信息不对称理论...............................................................................................14 2.2.2委托代理理论...................................................................................................15 第3章 A银行个人保证贷款信用风险管理现状分析..................................16 3.1 A银行个人保证贷款业务现状分析.........................................................................16 3.1.1 A银行个人保证贷款业务发展现状...............................................................16 3.1.2 A银行个人保证贷款业务工作流程...............................................................17 3.2 A银行个人保证贷款业务信用风险管理现状.........................................................18 3.2.1 A银行个人保证贷款业务信用风险管理机构...............................................18 3.2.2 A银行个人保证贷款业务信用风险管理程序和方法...................................20 3.2.3 A银行个人保证贷款信用风险管理案例.......................................................26 第4章 A银行个人保证贷款业务信用风险管理存在的问题及原因分析..29 4.1 A银行个人保证贷款业务信用风险管理存在的问题.............................................29 4.1.1 A银行信用风险管理机构设置存在缺陷.......................................................29 4.1.2A银行个人保证贷款信用风险管理工作不够完善........................................29 4.2 A银行个人保