B银行南昌分行信用风险管理优化研究
摘
要
当前全球经济正处在百年未有之大变局的关键时刻，金融欧亿·体育（中国）有限公司亦遭到了来自全球经
济变化的冲击，要想确保经济稳步发展，实体企业得以生存，必须注重商业银行在其中
的重要作用。作为银行的核心资产，贷款业务的开展能够帮助银行拓展经营收益的来源，
但同样也会面临着一定的信用风险问题。目前新冠疫情仍在肆虐，全球经济下行的现象
愈发严重，同样也对我国商业银行的发展产生了负面影响，资产质量降低，不良贷款问
题逐渐凸显。对于任何一家商业银行的信贷业务而言，信用风险贯穿了贷款业务开展的
整个环节和流程。因此，提高信用风险管理的质效，是竞争日益激烈下的商业银行的重
要核心竞争力，对于国内金融企业在金融市场中生存发展有着十分重要的作用。
本文通过对 B银行南昌分行展开研究，阐述了该行目前信用风险管理运行现状，并
着重收集相关数据对其进行分析，分别从信用风险管理识别、计量、监测、控制四个主
要方面为切入点，明确了该行当前在开展信贷业务的过程中信用风险管理的不足及影响
因素。针对 B银行南昌分行信用风险管理识别、计量、监测、控制各环节存在的主要问
题，提出了包括提高贷前调查质量、加强完善系统信息的信用风险识别优化措施；优化
信用业务评估机制、丰富优化风险计量工具的信用风险计量优化措施；改进贷后管理工
作机制、强化贷款资金流向管理监控的信用风险监测优化措施；组织架构优化、建立健
全监控预警系统的信用风险控制优化措施等四大方面的优化措施。为了确保相关优化设
计的相关方案能够顺利实施，本文在撰写过程中从组织保障、人力保障、技术保障等多
个角度出发，提出了保障措施。
在本文的最后，总结阐述了研究的内容，并展望了该行当前信用风险管理问题研究，
合理的信用风险管理模式能够帮助相关企业建立健全信贷流程体系的同时，确保信贷业
务风险管理机制的科学性及合理性，撰写本文的目的是希望可以为商业银行在开展信贷
业务过程中如何提升信用风险管理能力提供参考。
关键词：B银行；信用风险管理；信贷业务；商业银行
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B银行南昌分行信用风险管理优化研究
Abstract
The current global economy is in a critical moment, the changing from the one hundred
financial industry also suffered from the impact of the global economic changes, to ensure
steady economic growth, the entity enterprise to survive, must pay attention to in one of the
important role of commercial Banks, and credit business as a commercial bank since the birth
of the core assetsof the business, while bringBanks operating earnings, Itis also
accompanied by a certain degree of business risk. At present, the COVID-19 epidemic is still
raging and the global economic situation is declining, the asset quality of Chinese commercial
banks,especiallyjoint-stockcommercialbanks,isunderobviouspressureand
non-performing loans are gradually emerging. For the credit business of any commercial bank,
credit risk runs through the whole process of pre-loan investigation, loan review, approval and
issuance, and post-loan management and recovery. Therefore, improving the quality and
efficiency of credit risk management is an important core competitiveness of commercial
banks under the increasingly fierce competition, which plays a very important role in the
survival and development of domestic financial enterprises in the financial market.
Based on the study of bank, nanchang branch of B, this thesis expounded the status of
the current credit risk management operation, and focus on collecting the related data to
analyze it, respectively from the credit risk management of identification, measurement,
monitoring and control of the four major aspects as the breakthrough point, has been clear
about the bank's current in the process of conducting credit business and influencing factors of
the deficiency of the credit risk management. In view of the main problems existing in the
identification, measurement, monitoring and control of credit risk management of Nanchang
branch of Bank B, this thesis puts forward the credit risk identification optimization measures
including improving the quality of pre-loan investigation and strengthening and perfecting the
system information. Optimize the credit business evaluation mechanism, enrich the credit risk
measurement optimization measures to optimize the risk measurement tools; Improve the
post-loan management mechanism, strengthen the credit risk monitoring and optimization
measuresof loanfundflowmanagement andmonitoring;Organizationalstructure
optimization, the establishment of sound monitoring and warning system credit risk control
optimization measures such as four aspects of the optimization measures. In order to ensure
the smooth implementation of the relevant optimization design scheme, this thesis puts
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B银行南昌分行信用风险管理优化研究
forward safeguard measures from the aspects of organizational guarantee, human guarantee
and technical guarantee in the writing process.
At the end of this thesis, the content of the research is summarized and the research on
the current risk management problems of the bank is prospectively discussed. A reasonable
risk management mode can help relevant enterprises establish and improve the credit process
system, and ensure the scientific and reasonable risk management mechanism of credit
business. The purpose of writing this thesis is to provide reference for how to improve the risk
management ability of commercial banks in the process of developing credit business.
Key Words: B Bank; Risk Management; Credit Business; Commercial Bank;
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