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论文编号：	15958
作者编号：	2320234166
上传时间：	2026/3/12 12:50:24
中文题目：	A银行信贷业务风险管理研究
英文题目：	Research on Risk Management in Bank A''''s Credit Business
指导老师：	陆宇建
中文关键字：	民营银行；信贷业务；风险管理；全面风险管理框架
英文关键字：	Private banks；credit business；financial risk management；COSO Enterprise Risk Management Integrated Framework
中文摘要：	摘要 民营银行作为中国金融体系的关键构成部分，近年来发展迅速，已成为支持民营企业、小微企业及地方经济发展的重要力量。然而，随着金融市场的持续开放与深化，民营银行在凭借其机制灵活、市场敏感度高等优势拓展业务的同时，也面临着日益复杂的风险环境。信贷业务作为其核心业务，构成了主要风险来源。多数民营银行在发展初期普遍存在规模有限、资本基础相对薄弱的特点，特别是其服务对象多为风险承受能力较弱的民营及小微企业，导致其信贷风险管理不仅至关重要，也更具特殊性与复杂性。 A银行作为首批成立的民营银行之一，深耕本土市场，并通过数字技术拓展线上业务，取得了一定的成绩。同时，其业绩始终处于行业中游水平，在民营银行中具有一定的代表性。本文以A银行信贷业务为案例，在系统梳理相关文献与理论的基础上，阐述A银行在信贷业务信贷风险管理方面的具体表现，并总结其特点。在此基础上，基于全面风险管理框架，从风险识别、风险评估、风险应对三个方面，深入剖析A银行信贷业务风险管理方面存在的不足及成因，为后续风险防控提供决策支持。 基于上述分析，本文对应A银行信贷业务风险管理中存在的问题，向A银行提出信贷业务风险管理的优化方案和保障措施，包括：系统性推进高风险资产压降工作、通过COSO全面风险管理框架进行风险评估、维持或降低现有贷款规模、调整贷款结构配置等。研究进一步指出，风险防控理念应深度融入企业的全面风险管理体系、战略目标设定与绩效评价过程中，而非作为孤立管理环节存在。本文的研究结论旨在为同类民营银行提升信贷业务风险管理能力、增强可持续发展韧性提供理论参考与实践借鉴。 关键词：民营银行；信贷业务；风险管理；全面风险管理框架
英文摘要：	Abstract As a key component of China's financial system, private banks have developed rapidly in recent years and have become an important force in supporting the development of private enterprises, small and micro enterprises, and local economies. However, with the continuous opening and deepening of the financial market, private banks are facing an increasingly complex risk environment while expanding their business with the advantages of flexible mechanisms and high market sensitivity. Credit business, as its core business, constitutes the main source of risk. Most private banks in the early stages of development generally have the characteristics of limited scale and relatively weak capital base, especially their service targets are mostly private and small and micro enterprises with weak risk tolerance, which makes their credit risk management not only crucial, but also more special and complex. As one of the first private banks established, A Bank has deeply cultivated the local market and expanded its online business through digital technology, achieving certain results. At the same time, its performance has always been at the middle level of the industry, and it has a certain representativeness among private banks. This thesis takes the credit business of Bank A as a case study. Based on a systematic review of relevant literature and theories, it elaborates on the specific performance of Bank A in credit risk management and summarizes its characteristics. On this basis, based on the comprehensive risk management framework, this thesis deeply analyzes the shortcomings and causes of risk management in A Bank's credit business from three aspects: risk identification, risk assessment, and risk response, providing decision support for subsequent risk prevention and control. Based on the above analysis, this thesis proposes optimization plans and safeguard measures for the credit business risk management of Bank A in response to the existing problems. These measures include systematically promoting the pressure reduction of high-risk assets, conducting risk assessments through the COSO comprehensive risk management framework, maintaining or reducing the existing loan scale, and adjusting the loan structure allocation. The thesis further suggests that the concept of risk prevention and control should be deeply integrated into the comprehensive risk management system, strategic goal setting, and performance evaluation process of enterprises, rather than existing as an isolated management link. The research conclusion of this thesis aims to provide theoretical and practical references for similar private banks to enhance their credit business risk management capabilities and strengthen their sustainable development resilience. Key Words:Private banks；credit business；financial risk management；COSO Enterprise Risk Management Integrated Framework
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