文档介绍：西安科技大学
硕士学位论文
基于信贷流程的商业银行信贷风险控制研究
姓名:王静
申请学位级别:硕士
专业:企业管理
指导教师:冯套柱
2011
论文题目:基于信贷流程的商业银行信贷风险控制研究
专业:企业管理
硕士生:王静王静(签名)
指导教师:冯套柱冯套柱(签名)
摘要
商业银行在我国金融体系中起着举足轻重的作用,它们的健康发展直接关系到国民
经济的稳定和发展。信贷业务是商业银行的核心业务,商业银行面临的主要风险是信贷
风险。我国商业银行传统的信贷风险控制缺乏系统性,风险管控水平普遍较低,导致商
业银行信贷资产质量差,直接影响商业银行的收益和健康发展。
商业银行信贷风险产生于信贷流程的全过程。论文针对我国商业银行信贷业务流程
全过程,运用逻辑分析、比较分析和实证分析的方法,对信贷风险及其控制进行研究,
旨在为我国商业银行控制信贷风险提供科学的业务流程设计和严谨务实的操作规范。论
文首先总结了国内外已有研究成果及相关理论研究,并对我国商业银行信贷风险及其管
理现状进行了分析;在此基础上,以我国商业银行现行信贷业务流程为对象,分别从流
程设置和具体操作内容两个方面,对信贷受理、调查评估、审查审批、贷款发放和贷后
管理等主要业务流程阶段进行分析,指明了现行信贷业务流程设置和具体操作实务中存
在的主要问题及风险,同时对商业银行现行信贷业务流程进行了优化设计,并对信贷业
务流程各个阶段的具体操作实务进行了完善和规范,提出了相应的措施和对策建议;最
后以建设银行西安高新支行为对象,对信贷风险控制研究成果的有效性进行检验,实现
理论与实践的有机结合。
关键词:商业银行;信贷流程;信贷风险;风险控制
研究类型:应用研究
Subject :A Study on Credit Risk Control mercial Bank Based on
Process of Credit
Specialty :Business Management
Name :WangJing (signature)
Instructor :Feng Taozhu (signature)
ABSTRACT
Commercial banks are of special importance in our financial system, their healthy
development directly relates to China's national economic development and stability. Credit
business mercial bank's core business, and credit risk is the main risk. The credit risk of
mercial bank in china is lack of systematic and low control level, results in
relatively poor credit asset quality, then seriously mercial bank earnings and
healthy development.
Commercial bank's credit risk is produced in the whole process of lending practices. The
paper uses the whole logic analysis, comparison analysis and empirical analysis method for
credit risk mercial bank’s credit business process, researches the credit risk and its
control, aiming to provide scientific design of the credit risk control business process and
rigorous practical operation norm for credit risk mercial bank in china, Firstly, the
paper summarizes the existing research results and relevant theory research at home and
abroad, and analyzes the situation of our mercial bank credit r