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论文作者（签名）：
2023年 01月05日
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2023年 01月 05日
A银行蚌埠分行个人经营性贷款信贷风险管理研究
摘要
现如今，国家大力支持个体工商类的经济发展，相继出台了多项经济政策，
意在为了促进个体工商经济的发展。在惠普金融的政策背景下，以商业银行为代
表的金融机构纷纷开展个人经营性贷款业务，不仅为我国商业银行的发展开辟了
新的收入渠道，还为个体工商户提供了金融支持，促进我国个体私营经济的发展。
个人经营性贷款业务属于新兴业务，商业银行在新业务发展的过程中不是一
蹴而就的，尤其是针对各项业务的风险控制，目前商业银行不良率和违约率上升，
给银行业务发展带来了一定压力。此外，个人经营性贷款业务与商业银行其他的
信贷业务不同，主要的客户是个人经营为主的小微企业，贷款的用途也各不相同，
受到激烈的外部市场竞争，个人经营性贷款业务一般而言具有规模小、信贷余额
零散、风险高等特征，所以，增强个人经营性贷款风险的管理非常有必要。
A银行作为我国全国性股份制商业银行，长期以来始终坚持着服务小微企业
的理念，随着 A银行个人经营性贷款业务规模的上升，其所面临的信贷风险也
随之增加。为了加强银行在个人经营性贷款中的风险管理，本文主要以 A银行
蚌埠分行为研究对象，首先，大量查阅国内外的相关理论和文献，整理本文的写
作理论依据。其次，通过案例分析法对 A银行蚌埠分行个人经营性贷款业务开
展现状进行分析，并借助于问卷调查法剖析个人经营性贷款信贷风险管理存在的
问题。最后，结合 A银行蚌埠分行的实际经营状况提出个人经营性贷款风险控
制对策与保障性措施，希望能够为商业银行个人经营性贷款业务的风险管理提供
一定的思路。
关键词：商业银行；个人经营性贷款；风险管理；信贷风险
I
A银行蚌埠分行个人经营性贷款信贷风险管理研究
Abstract
Nowadays, the state strongly supports the economic development of individual
industry and commerce, and has issued a number of economic policies to promote the
development of individual industry and commerce. Under the policy background of
Hewlett Packard Finance, financial institutions represented by commercial banks have
carried out individual business loan business, which not only opens up new income
channels for the development of China'scommercial banks, but also provides
financial support for individual businesses and promotes the development of China's
individual and private economy.
Personal operational loan business is an emerging business, and commercial
banks do not achieve it overnight in the process of new business development,
especially for the risk control of various businesses. At present, the non-performing
rate and default rate of commercial banks are rising, which brings some pressure to
the development of banking business. In addition, the personal operational loan
business is different from other credit businesses of commercial banks. The main
customers are small and micro enterprises mainly engaged in personal operations. The
purpose of the loan is also different. Under fierce external market competition, the
personal operational loan business is generally characterized by small scale, scattered
credit balance and high risk. Therefore, it is necessary to strengthen the management
of personal operational loan risk.
As a national joint-stock commercial bank in China, Bank A has always adhered
to the concept of serving small and micro enterprises for a long time. With the
increase of the scale of Bank A's personal operational loan business, its credit risk will
also increase. In order to strengthen the risk management of banks in personal
operational loans, this paper mainly focuses on the Bengbu branch behavior of Bank
A. First, a large number of relevant theories and documents at home and abroad are
consulted to sort out the theoretical basis for writing this paper. Secondly, it analyzes
the current situation of personal operational loan business of Bengbu Branch of Bank
A through case analysis, and analyzes the problems in credit risk management of
personal operational loan with the help of questionnaire survey. Finally, combined
with the actual business situation of Bengbu Branch of Bank A, this paper proposes
the risk control measures and safeguard measures for individual business loans,
hoping to provide some ideas for the risk management of individual business loans of
commercial banks.
I