MBA教育中心知识库

随着我国金融行业的普及和发展，越来越多的金融公司进入到信贷行业，商业银行为了保证信贷业务竞争力，占有市场份额，通常会采取多种措施开展信贷业务，却忽略加强信贷风险管理，另外，我国经济发展也面临着严峻的形势，也直接造成商业银行信贷风险加剧，不良贷款率逐年上升，平凉农商银行也存在这些问题，加强银行信贷风险管理，确保银行健康可持续发展，具有一定的意义。

首先，论文通过对平凉农商银行的年报数据进行分析，掌握银行近三年的信贷业务总量和发展趋势，分析信贷业务资产质量，从信贷风险识别、评估和控制三个方面，掌握平凉农商银行信贷风险管理现状。其次，本文采用问卷调查方法针对平凉农商银行的信贷风险管理情况进行调查，掌握信贷风险存在的问题，比如信贷风险识别不精准，信贷风险评估不科学，信贷风险控制能力弱，导致平凉农商银行的不良贷款规模持续上升，产生这些问题的原因非常多，信贷风险管理制度体系不完善，风险管理团队专业能力弱，金融科技系统应用不充分。第三，论文优化平凉农商银行风险管理对策，加强信贷风险识别能力，比如加强审查贷款人的基本信息、全面调查贷款人的抵押物信息，提高信贷风险的识别水平，从而可以精准识别信贷风险；持续完善信贷风险评估指标，积极引入先进的信贷风险评估技术；严格把控信贷大数据的管理治理和评价标准，持续完善个人信贷风险预警体系，从而提高信贷风险的内部控制和预警体系。第四，论文从五个方面建立风险管理优化对策实施保障，健全组织结构，加强信贷风险管理文化培育，提升信贷人员的合规意识，建立信贷风险终身追责制度和内部控制制度，组建专业的信贷风险管理团队和加强人员培训，建设更加智能化的信贷风险管理系统。

论文的主要贡献是从信贷风险管理的三个环节，风险识别、评估和控制提升信贷风险管理能力，同时加强了金融科技技术的应用，提高信贷风险管理系统的规范设计和智能化水平，并且完善信贷风险内部控制制度和终身追责制度，从而可以全面提升商业银行信贷风险管理水平。

With the popularization and development of China's financial industry, more and more financial companies have entered the credit industry. In order to ensure the competitiveness of credit business and market share, commercial banks usually take a variety of measures to carry out credit business, but neglect to strengthen credit risk management. In addition, China's economic development is also facing a severe situation, which directly causes the credit risk of commercial banks to increase, and the non-performing loan rate to rise year by year, Pingliang Rural Commercial Bank also has these problems. It is significant to strengthen the bank credit risk management and ensure the healthy and sustainable development of the bank.

Firstly, by analyzing the annual report data of Pingliang Rural Commercial Bank, the thesis grasps the total amount and development trend of the bank's credit business in recent three years, analyzes the quality of credit business assets, and grasps the current situation of credit risk management of Pingliang Rural Commercial Bank from three aspects of credit risk identification, evaluation and control. Secondly, this thesis adopts the questionnaire survey method to investigate the credit risk management of Pingliang Rural Commercial Bank, and grasp the problems existing in credit risk, such as inaccurate credit risk identification, unscientific credit risk assessment, and weak credit risk control ability, which lead to the continuous rise of the non-performing loan scale of Pingliang Rural Commercial Bank. There are many reasons for these problems, and the credit risk management system is not perfect, The professional ability of the risk management team is weak, and the application of the financial technology system is insufficient. Thirdly, the thesis optimizes the risk management countermeasures of Pingliang Rural Commercial Bank, strengthens the credit risk identification ability, such as strengthening the review of the basic information of the lender, comprehensively investigating the collateral information of the lender, and improving the credit risk identification level, so as to accurately identify the credit risk; Continuously improve credit risk assessment indicators and actively introduce advanced credit risk assessment technologies; Strictly control the management, governance and evaluation standards of credit big data, and continuously improve the personal credit risk early warning system, so as to improve the internal control and early warning system of credit risk. Fourth, the thesis establishes the guarantee for the implementation of risk management optimization measures from five aspects, improves the organizational structure, strengthens the cultivation of credit risk management culture, enhances the compliance awareness of credit personnel, establishes the credit risk lifelong accountability system and internal control system, establishes a professional credit risk management team and strengthens personnel training, and builds a more intelligent credit risk management system.

The main contribution of the thesis is to improve the credit risk management ability from the three aspects of credit risk management: risk identification, assessment and control. At the same time, it has strengthened the application of financial technology, improved the standardized design and intelligent level of the credit risk management system, and improved the internal control system of credit risk and the lifelong accountability system, which can comprehensively improve the credit risk management level of commercial banks.