【正文】 1 / 78重慶大學(xué)碩士學(xué)位論文我國商業(yè)銀行信貸風(fēng)險管理流程研究 碩士研究生：陳 磊指導(dǎo)教師： 學(xué)科專業(yè)： 工商管理重慶大學(xué)經(jīng)濟與工商管理學(xué)院二 OO 七年四月2 / 78Master Dissertation of Chongqing UniversityA Study On Flow Management Of Credit Risks In Commercial BankMaster Degree Candidate: Chen LeiSupervisor: Prof. LiuXingMajor: Business AdministrationCollege of Economy and Business AdministrationChongqing UniversityApr. 2022I / 78摘 要金融是現(xiàn)代經(jīng)濟的核心，商業(yè)銀行又是金融的核心。商業(yè)銀行信貸風(fēng)險是各種經(jīng)濟風(fēng)險的集中體現(xiàn)。在現(xiàn)代市場經(jīng)濟中，經(jīng)濟運行高度貨幣化、信用化和金融化。作為金融中介的銀行，以貨幣和信用為媒介，和經(jīng)濟社會中各個經(jīng)濟主體發(fā)生著廣泛的信貸聯(lián)系，所以商業(yè)銀行信貸風(fēng)險成為整個經(jīng)濟風(fēng)險的中樞。目前我國商業(yè)銀行的信貸風(fēng)險管理水平偏低，管理手段較為落后，不良貸款率偏高，嚴(yán)重影響了我國商業(yè)銀行的競爭能力。對此，提高我國商業(yè)銀行信貸風(fēng)險管理水平和管理手段顯得十分必要。本文首先介紹商業(yè)銀行信貸風(fēng)險的定義、分類、特征和度量，通過從商業(yè)銀行內(nèi)外部環(huán)境分析揭示信貸風(fēng)險形成的原因，指出我國信貸風(fēng)險具有復(fù)雜性和獨特性。然后根據(jù)商業(yè)銀行信貸業(yè)務(wù)發(fā)生的三個流程：貸前調(diào)查、貸時審查和貸后管理；提出商業(yè)銀行信貸風(fēng)險流程管理。在貸前調(diào)查中，通過對信貸客戶信用評估，確定信貸客戶的信用等級，建立信貸客戶準(zhǔn)入機制。在貸時審查中，通過合理設(shè)置，將業(yè)務(wù)拓展部門、貸款審查部門和風(fēng)險控制部門，各司其職，相互制約，達(dá)到審貸分離和權(quán)責(zé)對應(yīng)；同時審查貸款用途是否合理，還款來源是否有保障。在貸后管理中，通過五級分類，實時動態(tài)監(jiān)管貸款情況，及時識別、防范、控制風(fēng)險。通過對三個信貸流程進(jìn)行從始到終的風(fēng)險控制，建立商業(yè)銀行信貸風(fēng)險流程化管理；最終達(dá)到預(yù)防、規(guī)避、轉(zhuǎn)移、化解商業(yè)銀行信貸風(fēng)險，從而減少不良貸款引起的損失，增強商業(yè)銀行的核心競爭能力。最后通過實際案例分析，將信貸風(fēng)險流程管理運用于工作實踐。通過實踐，檢驗了研究方法的可操作性與信貸風(fēng)險管理效果。關(guān)鍵詞：商業(yè)銀行，信貸風(fēng)險，流程管理II / 78ABSTRACTFinance is the core of modern economy and mercial bank is the core of finance at the same time. Credit risk of mercial bank is a central reflection of all kinds of economical risks. In modern market economy, the operation of the economy has been highly moized, depending more and more on credit and finance. Serving as a financial agency, mercial bank involves widespread credit relationships with various economical entities in society through the media of money and credit. The credit risk of mercial bank, therefore, has bee the crux of the whole credit economy. At present, the level of credit risk management of our mercial banks is relatively low。 traditional credit risk management lacks sense of initiative and systematic planning。 the ratio of bad debts tends to be higher than normal。 all of these result in low quality of the credit property of our mercial banks and greatly decrease the profit of the banks. So it is very necessary for us to increase our ability to manage the credit risk of mercial banks. The first part of the thesis introduces the definitions, classifications, characteristics and measurements of credit risk, analyzing the formation of credit risk from both internal and external aspects so as to find the solutions to credit risk. The second part of the thesis proposes the credit risk flow management according to the loaning procures: loan investigation, loan examination, and management after loan. In the course of investigation, we will discuss how to obtain the credit class of the customers and establish the admission mechanism of credit customers by estimating their credit level. In the course of loan examination, we will see how to make department of business development, department of loan examination and risk management department do their own jobs and check against each other in order to separate estimation and deliverance, matching rights and responsibilities。 at the same time, the reasonability of the usage of loan and the readiness of payment of the loan should also by examined. In the course of management after loan, we will discuss how to manage the status of the loan dynamically and how to recognize, prevent, and control risks through five levels of loan classifications. Through managing credit risk on three credits course from the beginning to the end, the credit risk flow management is established to achieve the aim of preventing, dodging, shifting, and melting the credit risk of mercial banks, thus reducing the losses caused by bad debts and enhancing core petitive ability of the III / 78mercial banks.Finally, through actual case studies, we will see how to apply the credit risk flow management to practice. Through practice, we can examine the applicability of research techniques the effects of credit risk management. Key words：mercial bank，credit risk，flow managementIV / 78目 錄中文摘要 .............................................................................................................................................I英文摘要 ...........................................................................................................................................II1 緒 論 ............................................................................................................................................1 問題的提出 ...................................................................................................................................1 研究的意義 ...................................................................................................................................2 研究思路與研究內(nèi)容 ...................................................................................................................4 主要研究工作 ...............................................................................................................................52 商業(yè)銀行風(fēng)險概述 .................................................................................................................7 商業(yè)銀行風(fēng)險的類型 ...................................................................................................................7 信用風(fēng)險 ...............................................................................................................................7 流動性風(fēng)險 ...........................................................................................................................7 市場風(fēng)險 ...............................................................................................................................8 操作風(fēng)險 ...............................................................................................................................8 商業(yè)銀行風(fēng)險的特征 ...................................................................................................................8 客