中图分类号：F832.4 学校代码：10207
学号：8191142023 密级：公开
硕 士学 位论文
中国建设银行吉林省分行信贷
风险管理研究
姓 名： 高一
指导教师：丁永波 教授
申请学位：工商管理硕士
学科专业：工商管理
研究方向：企业管理
培养单位：亚泰工商管理学院
2021 年 6 月
硕士学位论文
中国建设银行吉林省分行信贷风险管理研究
姓 名： 高一
指导教师：丁永波 教授
吉林财经大学亚泰工商管理学院
2021 年 6 月
RESEARCH ON CREDIT RISK MANAGEMENT OF JILIN
BRANCH OF CHINA CONSTRUCTION BANK
Candidate: Gao Yi
Supervisor: Ding Yongbo
Yatai School of Business and Administration
June, 2021
摘 要
在当前社会经济环境中，商业银行作为国民经济的“调节器”发挥着重要
的作用，如提高资金的运用效率、筹集和融通资金、引导资产的流转方向、调
整社会的总需求等。但是，商业银行独特的经营性质决定了商业银行的经营与
风险是相互联系的。风险管理目前已经成为商业银行不可忽略和急需解决的问
题，商业银行的发展前景是由风险管理水平决定的，甚至已经成为了银行生存
与否的关键。在银行的经营过程中，信贷业务具有极其重要的作用，它是我国
商业银行的核心业务之一，同时也是商业银行所面对的最基本金融风险，信贷
风险的评估和管理与商业银行的运营是否成功存在着密切的联系。近些年来，
中国建设银行吉林省分行在外部环境的影响下，它的信贷规模在不断的扩大，
不良贷款产生的概率增加，因此带来的信贷风险的概率也随之增加，防控信贷
风险产生的压力越来越大。所以对中国建设银行吉林省分行的信贷风险管理现
状进行全面的系统的研究，发现其中存在的薄弱环节，在吸取国外银行的先进
经验的基础上，提出完善商业银行的组织架构和管理流程的措施。
本文在广泛收集欧亿·体育（中国）有限公司和全面梳理国内外相关文献的基础上，借助信贷风险
管理的相关理论，对中国建设银行吉林省分行的信贷风险管理进行系统的研究。
通过梳理中国建设银行吉林省分行信贷管理的各个环节，对其信贷业务当前的
现状与管理体系进行分析，找出其信贷风险管理过程中存在的问题主要有信贷
风险内部控制制度不完善，信贷风险预警机制不健全，信贷业务操作流程不规
范，信贷业务考核指标不全面。通过对问题的深入分析以及借鉴国外优秀银行
的先进经验，本文针对性的提出了提高中国建设银行吉林省分行信贷风险管理
的相关对策，主要有完善信贷风险内部控制制度，完善信贷风险预警机制，优
化客户信贷管理，实施信贷管理约束、加强信贷业务流程和考核体系管理和培
育信贷风险管理文化。
本文在内部控制制度、预警机制、授信管理、约束机制、管理制度和管理
文化等方面提出相关对策，在一定程度上可以弥补信贷管理过程中存在的漏洞，
具有提高建设银行吉林省分行信贷管理水平，改善信贷业务风险管理，持续改
善销售业绩，为客户定制金融服务提供综合理论基础等现实意义。
关键词：商业银行；信贷风险；风险管理
I
Abstract
In the current social and economic environment, commercial banks, as the
"regulator" of the national economy, play an important role, such as improving the
efficiency of the use of funds, raising and financing funds, guiding the direction of
asset circulation, adjusting the total demand of the society, and so on. However, the
unique operation nature of commercial banks determines that the operation and risk
of commercial banks are interrelated. At present, risk management has become a
problem that cannot be ignored and needs to be solved urgently for commercial
banks. The development prospect of commercial banks is determined by the level of
risk management, and even has become the key to the survival of banks. In the
process of bank operation, credit business plays an extremely important role. It is
one of the core businesses of commercial banks in China, and it is also the most
basic financial risk that commercial banks face. The assessment and management of
credit risk is closely related to the success of the operation of commercial banks. In
recent years, under the influence of the external environment, the credit scale of Jilin
Branch of China Construction Bank has been continuously expanding, and the
probability of non-performing loans has increased. Therefore, the probability of
credit risks has also increased, and the pressure of preventing and controlling credit
risks has been increasing. Therefore, it makes a comprehensive and systematic study
on the credit risk management status of Jilin Branch of China Construction Bank,
finds out the weak links, and puts forward measures to improve the organizational
structure and management process of commercial banks on the basis of drawing on
the advanced experience of foreign banks.
On the basis of extensive data collection and comprehensive review of relevant
literature at home and abroad, this paper makes a systematic study on the credit risk
management of Jilin Branch of China Construction Bank with the help of relevant
theories of credit risk management. Through combing the construction bank of
China Jilin branch credit management of each link, on the current status of the credit
business and management system were analyzed, and find out the problems existing
in the process of credit risk management mainly includes imperfect internal control
system of credit risk, early warning mechanism of credit risk is not sound, the credit
business operation is not standard, credit business assessment index is not
comprehensive. Through in-depth analysis of a problem, and draw lessons from the
advanced experience of foreign outstanding bank, this paper targeted put forward to
II