在中国经济发展新常态形势下，中国经济由高速增长逐步转变为高质量发展的模 式，国内经济发展急需建立新的增长点，金融风险复杂、灵活多变的态势依然明显， 近三年银行贷款不良率增加，国内银行应调整自身角色定位，通过创新的管理形式来 适应新形势发展要求，从而提高自身风险防控水平。随着大数据、互联网技术的进步 和移动设备的普及，共享经济获得迅猛发展，共享经济通过人工智能、大数据应用、 互联网平台搭建，充分调动银行资源，催生新形势下“共享金融”新型发展模式，“共 享金融”通过金融资源、要素、利益等的共享，为银行风险管控注入新活力。然而共 享经济的发展给银行发展增添动力的同时也产生了较大的冲击，商业银行尤其是城市 商业银行，作为管理经营风险的重要经济体，现有风险管理水平已不足以满足社会新 形势发展的需要，且普遍存在“重贷轻管”现象，即较信贷业务贷前调查和贷中审查 方面，城市商业银行普遍在对贷后风险管理方面重视不足，贷后风险防控薄弱等状况。 由此，在当前共享经济持续快速的发展的大环境下，银行只有积极适应，完善自身风 控机制才能实现稳健发展。 本文以城市商业银行Z银行为研究对象，充分借鉴国内外专家的研究理论，采取 层次分析法、数据对比分析法、数据模型建立和案例检验法等方法对Z银行的贷后风 险风险管理现状作出综合分析，发现该银行在贷后风险管理工作中存在的问题主要包 含：贷后风险管理共享意识有待提高、人才队伍短缺和各类激励处罚制度不完善、科 技智能化水平不足等方面。通过对问题产生的原因分析，得出影响贷后风险管理的影 响要素。 最后，通过吸收国内外优秀商业银行风险管理的经验，提出了在共享经济新形势 下Z银行信贷业务贷后风险管理体系。一是主动合规意识的加强；二是改进贷后风 险管理组织流程；三是完善贷后风险管理制度；四是加强风险预警；五是完善风控系 统开发建设等。 关键词：共享经济；贷后风险管理；风险管理；城市商业银行 河北地质大学硕士学位论文 II Abstract EconomicdevelopmentinthenewnormalsituationinChina,China'seconomybythe high-speedgrowthgraduallyintoapatternofdevelopmentofhighquality,thedomestic economicdevelopmenturgentlyneedtoestablishanewgrowthpoint,complexandflexible financialrisksituationisstillobvious,bankloansincreasednearlythreeyears,domestic Banksshouldadjusttheirrole,throughinnovativenewformofmanagementtoadapttothe requirementsofthenewsituation,thustoimprovetheirriskcontrollevel.Withtheprogress ofbigdata,Internettechnologyandthepopularityofmobiledevices,therapid developmentofeconomyandgainsharing,sharingeconomybyartificialintelligence,big dataapplications,theInternetplatform,fullymobilizeresourcesbank,gaveriseto"sharing financial"newdevelopmentmodeunderthenewsituation,"sharingfinancial"through financialresources,elements,suchasinterestofsharing,injectednewenergytothebank's riskcontrol.However,sharingtheeconomicdevelopmentofaddedimpetustothe developmentofthebankatthesametimealsohavealargerimpact,commercialBanks, especiallyurbancommercialBanks,asanimportanteconomymanagementrisk,the existingriskmanagementlevelisnotenoughtomeettheneedsofsocialdevelopmentthe newsituation,anduniversalexistence"thelight",thatisbeforethecreditbusinesscredit investigationandcreditincensorship,citycommercialBanksgenerallyinlessattentionto post-loanriskmanagementaspect,post-loanriskpreventionandcontrolisweak,etc. Therefore,inthecurrentenvironmentofsustainedandrapiddevelopmentofsharing economy,onlybyactivelyadaptingtoandimprovingtheirownriskcontrolmechanismcan Banksachievesteadydevelopment. InZcitycommercialbankastheresearchobject,andfullyabsorbexpertsathomeand abroadresearchtheory,adoptanalytichierarchyprocess(ahp)anddatacontrastanalysis, datamodelandcasetestmethodssuchasZBankscreditriskafterriskmanagementpresent situationtomakeacomprehensiveanalysis,foundthatafterthebank'screditrisk managementproblems,mainlyinclude:creditriskmanagementconsciousnesstoimprove after,talentshortageandallkindsofincentiveinsufficientpunishmentsystemisimperfect, scienceandtechnologyintelligencelevel,etc.Throughtheanalysisofthecausesofthe 河北地质大学硕士学位论文 III problems,thefactorsthataffecttheriskmanagementaftertheloanareobtained. Finally,byabsorbingtheriskmanagementexperienceofexcellentcommercialBanks athomeandabroad,thispaperproposesapost-loanriskmanagementsystemforZbank's creditbusinessunderthenewsituationofsharingeconomy.First,strengthentheawareness ofactivecompliance;Second,improvethepost-loanriskmanagementprocess;Threecities toimprovethepost-loanriskmanagementsystem;Fourth,strengthenriskearlywarning; Fifth,improvetheriskcontrolsystemdevelopmentandconstruction. Keywords:sharingeconomy;Post-loanriskmanagement;Riskmanagement;City commercialbank 河北地质大学硕士学位论文 目录 摘要......................................................................................................................................I Abstract...............................................................................................................................II 第一章绪论...........................................................................................................................1 1.1研究背景与研究意义.....................................................................................................1 1.1.1研究背景..............................................................................................................1 1.1.2研究意义..............................................................................................................4 1.2国内外研究现状.............................................................................................................5 1.2.1国外研究现状......................................................................................................5 1.2.2国内研究现状......................................................................................................5 1.3研究内容与研究方法.....................................................................................................7 1.3.1研究内容..............................................................................................................7 1.3.2研究方法..............................................................................................................8 1.4本文创新点.....................................................................................................................9 第二章共享经济下商业银行贷后风险管理相关理论基础.............................................10 2.1共享经济的基本理论...................................................................................................10 2.1.1共享经济内涵....................................................................................................10 2.1.2共享经济新形势对城市商业银行贷后风险防控的新要求............................11 2.1.2.1借助共享平台，加强数据采集和分析工作，增强数据运用能力.....11 2.1.2.2借助现有互联网平台数据，提升现有业务质量.................................11 2.1.2.3加强与电商合作，多渠道采集大数据，建立贷后风险分析数据网.11 2.2商业银行贷后风险管理基本理论...............................................................................12 2.2.1商业银行信贷业务基本概念............................................................................12 2.2.2商业银行贷后风险管理的理论基础................................................................13 2.2.3共享经济下商业银行贷后风险管理................................................................14 2.2.3.1风险信息共享平台搭建.........................................................................15 2.2.3.2风险信息收集与完善.............................................................................15 2.2.3.3贷后风险信息分析.................................................................................15 第三章共享经济下Z银行贷后风险管理现状分析.........................................................17 3.1Z银行概况...................................................................................................................17 河北地质大学硕士学位论文 3.1.1Z银行基本信息................................................................................................17 3.1.2Z银行风险监管机构........................................................................................17 3.1.3Z银行经营状况..............................