现代商业银行管理的中心内容是信贷风险，其管理效果关乎到银行的效益。 《巴塞尔协议Ⅲ》发布后，对总资本充足率和核心资本充足率两项指标做了一些 修改，具体表现为前者指标最低要求为 8%，后者指标最低要求为 6%。各级金 融机构在满足最低欧亿·体育（中国）有限公司要求的同时，为如何提高信贷业务的质量做了各种努力， 各类信贷风险也层出不穷，为维持欧亿·体育（中国）有限公司的稳定性，提高自身的欧亿·体育（中国）有限公司竞争力，信贷 风险管理被提到了重要的位置并被得到了重视。在当前市场环境下，商业银行的 发展水平与其信贷风险管理水平的高低息息相关。作为一家持续经营的百年银行， X银行近些年在信贷风险管理方面有一些的经验，但是当前环境下，国内国际经 济增速下行，内部管理难点较多，内外部环境对银行的经营提出了较大的挑战， 且某些规则和法规以及内控制度无法取得实际的实施效果，对风险管理造成一定 的隐患。因笔者就职于X银行JX分行，为提高文章的实践指导意义，本文选取 X银行JX分行作为信贷风险管理的研究对象。 本文是基于定性分析与定量分析相结合下进行研究。首先阐述了相关理论信 息，包括识别，度量，预警和处置信贷风险四个方面的相关内容；其次，通过对 X银行JX分行的经营状况，信贷风险管理体系、管理流程和管理措施的介绍； 然后分析X银行JX分行的问题，并做成因分析；最后，在借鉴其他银行信贷风 险管理经验的基础上为改善信贷风险管理提供积极的解决措施。具体按以下六个 部分进行研究分析： 第一部分是引言，介绍研究背景，总结研究意义，其次分别从信贷风险的识 别、度量及控制做文献综述与评述，接着介绍研究方法，综述本文的总体框架。 第二部分是从分类、特点、管理内容、管理方法和理论基础多个方面对信贷风险 管理作出详细的理论概述。第三部分是X银行JX分行信贷风险管理现状介绍。 第四部分是分析X银行JX分行在信贷风险管理层面表现出的问题及问题成因， 这部分的分析是在结合第三部分的现状介绍情况下，挖掘X银行JX分行在信贷 风险管理层面表现出的问题，并做相应的成因分析，总结存在的四个方面的问题： 风险评估及预警技术落后、风险管理组织体系有缺陷、信贷风险信息整合度不强、 信贷人员风险意识较薄弱；并对存在的问题做了原因分析，成因表现在四个方面： 规模与风险不相适应的后果、由同业非理性竞争导致、信贷产品的政策法规不配 套、信息不对称及欧亿·体育（中国）有限公司产能过剩及信贷风险文化教育管理缺失四个方面的影响。 第五部分是针对第四部分的分析提出完善 X银行JX分行信贷风险管理的解决方 法，这一部分是结合第四部分提出的问题和问题成因，有针对性地提出完善信贷 风险评估和预警技术、加强合适的信贷风险文化建设、完善信贷风险管理的架构 2 模式以及促进信贷风险信息融合与闭环。第六部分是结束语，总结本文的研究内 容和分析成果，为今后他人就商业银行信贷风险管理内容进行研究时提供借鉴的 经验。 本文的案例研究补充了当前对信贷风险管理理论的研究。从实践上，本文的 研究对于解决X银行JX分行的信贷风险管理问题具有一定的意义。 【关键词】商业银行；信贷风险；信贷风险管理； 3 Abstract The central content of modern commercial bank management is credit risk, and its management effect is related to the benefits of the bank. After the release of Basel III, the agreement has made some changes to the minimum requirements for total capital adequacy ratio and core capital adequacy ratio. The minimum requirement for the former is 8%, and the latter is 6%. At the same time, financial institutions at all levels have made various efforts to improve the quality of credit business while meeting the minimum industry requirements. Various types of credit risks have emerged in an endless stream. To maintain the stability of the industry and improve its own industry competitiveness, credit risk management has been The important location was mentioned and was taken seriously. In the current market environment, the level of development of commercial banks is closely related to the level of credit risk management. As a 100-year-old bank that has been operating continuously, X Bank has accumulated certain experience in credit risk management in recent years. However, under the current environment, domestic and international economic growth is declining, internal management is more difficult, and internal and external environment is facing the operation of banks. Large challenges are raised, and certain rules and regulations as well as internal control can not achieve actual implementation effects, which poses certain hidden dangers to risk management. Because the author works at X Bank JX Branch, in order to improve the practical guiding significance of the article, this paper selects X Bank JX Branch as the research object of credit risk management. In this paper, a combination of various research methods is used to carry out the research in this paper. Firstly, it expounds the theoretical information of credit risk of commercial banks, including the identification, measurement, early warning and disposal of credit risk. Secondly, through the operation status of X Bank JX Branch, credit risk management system, credit risk management process And the introduction of management measures; then analyze the problems of X Bank JX Branch, and make the cause analysis; Finally, based on the experience of credit risk management of foreign commercial banks, provide positive solutions for improving credit risk management. Specifically, the following six parts are used for research and analysis: The first part is the introduction, introducing the research background and summarizing the research significance. Secondly, it reviews and reviews the credit risk 4 identification, measurement and control, then introduces the research methods and summarizes the overall framework of this paper. The second part is an overview of credit risk management theory of commercial banks. It provides a detailed theoretical overview of credit risk management from various aspects such as classification, characteristics, management content, management methods and theoretical basis. The third part is the introduction of credit risk management status of X Bank JX Branch, including the introduction of X Bank JX Branch, introduction of credit risk management system, introduction of credit risk management process, and introduction of current credit risk management tools. The fourth part is to analyze the problems and causes of the problems of X Bank JX Branch in the credit risk management. This part of the analysis is based on the introduction of the third part of the situation, excavating the X Bank JX Branch in the credit risk management level. The problem, and the corresponding cause analysis, summed up the four aspects of the problem: risk assessment and early warning technology, risk management organization system is defective, credit risk information integration is not strong, credit personnel risk awareness is weak; The existing problems are analyzed, and the causes are manifested in four aspects: the consequences of scale and risk incompatibility, the inevitable result of irrational competition in the same industry, the lack of sharing platform for credit risk information, and the lack of credit risk culture education management. . The fifth part is to solve the fourth part of the analysis to improve the credit risk management of X Bank JX Branch, this part is combined with the problems and problems caused by the fourth part, targeted to improve credit risk assessment and early warning technology, Improve the framework of credit risk management, promote credit risk information integration and closed loop, and strengthen the construction of appropriate credit risk culture to propose optimization strategies. The sixth part is the concluding remarks, summarizing the research content and analysis results of this paper, objectively explaining the shortcomings of this paper, and providing experience for others to study the credit risk management content of commercial banks in the future. The case study in this paper complements current research on credit risk management theory. In practice, the research of this paper has certain significance for solving the credit risk management problem of X Bank JX Branch, and has certain reference value for other banks in China. With the development of economy, bank credit risk management has been improved and optimized continuously. 【。。。。。。以下内容略