摘要
自商业银行开展个人经营性贷款业务以来，该贷款品种丰富了中小企业主、
个体工商户的融资渠道，促进了银行盈利水平的提高，也为我国社会主义市场经
济的发展起到了重要作用。随着业务的普及壮大，个人经营性贷款逐渐成为银行
个人信贷业务当中一个重要的贷款种类，成为银行利润的一个重要增长点，但基
于业务的特殊性，个人经营贷款性贷款业务也给商业银行的风险管理带来极大的
压力。
S银行是我国排名靠前的股份制商业银行，不管是经营水平还是风险管理水平
都在行业内广受认可。昆明分行作为S银行在地方省市的分支机构，在当地的排
名也处于前列位置。但S银行昆明分行近几年个人经营性贷款的不良率攀升，严
重影响其经营利润，导致资产质量持续恶化，暴露出其在个人经营性贷款的风险
管理上存在的问题。
本文系统研究了国内外学者关于商业银行风险管理的文献资料，对个人经营
性贷款风险管理的相关理论和分析进行分类介绍。运用这些理论对S银行昆明分
行个人经营性贷款的基本资料和数据进行归纳和梳理,同时也对其风险管理制度
内容做出了详尽地分析。
在分析的基础上，又通过典型案例以及银行内部员工的调查问卷，总结了S
银行昆明分行在个人经营性贷款的风险管理工作中存在的问题，同时根据优化目
标和原则提出了可供参考的建议。
关键词：商业银行；风险管理；建议措施
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Abstract
Commercial banks have enriched the financing channels for small and
medium-sized business owners and individual industrial and commercial households
since they launched the business of personal operating loans. In addition, they played an
important role in the development of China's socialist market economy. Personal
operating loan has gradually become an important variety of personal credit business of
commercial banks.Moreover, it is also an important growth point of bank profits.
Individuals operating loan business are not only more prone to credit risk, but also bring
great pressure to the risk management of commercial banks based on the particularity of
the business.
Kunming Branch of S Bank is a branch of a commercial bank in local provinces
and cities. The bad rate of personal operating loans has increased in recent years,
seriously affecting its operating profits and leading to the continuous deterioration of
asset quality. Moreover, it also exposes its problems in the risk management of personal
operating loans.
This paper introduces the relevant theories and risk types of personal operating
loan risk management based on the systematic study of domestic and foreign scholars'
credit risk management literature and their achievements. In addition, this paper
summarizes and sorts out the basic data and data of some personal operating loans of
Kunming Branch of S Bank. At the same time, it makes a detailed analysis of its risk
management system.
This paper summarizes the problems existing in the risk management of Kunming
Branch of S Bank through the analysis of typical cases and the questionnaire of the
internal staff of the bank. In the meanwhile, it puts forward some suggestions and
measures for reference.
Key words: Commercial Bank; Risk management; Suggestions and Measures
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