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| 论文编号： | 15965 | |
| 作者编号： | 2320234191 | |
| 上传时间： | 2026/3/15 17:53:21 | |
| 中文题目： | W商业银行信贷风险管理优化研究 | |
| 英文题目： | Research on Credit Risk Management Optimization of W Commercial Bank | |
| 指导老师： | 张继勋、王雷 | |
| 中文关键字： | 商业银行；信贷风险；风险控制；风险管理 | |
| 英文关键字： | Commercial banks;Credit risk;Risk control;Risk management | |
| 中文摘要： | 商业银行作为资金融通的核心中介，通过吸收存款、发放贷款、提供支付结算和金融服务，促进资金的有效配置和经济的稳定发展，同时在信息中介和货币政策传导方面发挥重要作用，是现代经济体系的重要支柱。随着经济环境的变化和市场竞争的加剧，商业银行的信贷风险管理面临诸多挑战，当前我国正处于产业结构调整期，传统产业面临转型升级的压力，导致前期积压的信贷风险逐步显露出来；新兴产业则处于快速发展的阶段，银行对其信贷风险的评估难度较大，以致于国内商业银行的信贷风险水平总体虽在可控制范围内，但结构压力显著。信贷风险对商业银行的影响主要体现在资产质量下降、盈利能力削弱、金融体系稳定性受到威胁等方面，同时也会影响银行的信贷供给能力和市场竞争力。因此，加强银行信贷风险管理，保证我国商业银行的在国民经济中稳健发展，已成为银行内控风险管理的重点。信贷业务的贷前调查、贷中审批与贷后管理环节在商业银行的信贷风险管理体系中起着不可或缺的作用，但通过国内商业银行的不良贷款业务案例分析发现，商业银行的贷前、贷中、贷后工作未能落实到位，从而造成了不必要的风险。本文将选择具体信贷案例，从实际操作过程进行剖析，找出商业银行在贷前、贷中、贷后环节存在的问题，并针对存在问题给出具体优化措施。 | |
| 英文摘要： | As the core intermediary of financing, commercial banks promote the effective allocation of funds and stable economic development by absorbing deposits, issuing loans, providing payment and settlement services, and play an important role in information intermediary and monetary policy transmission, which is an important pillar of modern economic system. With the change of economic environment and the intensification of market competition, the credit risk management of commercial banks is facing many challenges. At present, China is in the period of industrial restructuring, and traditional industries are facing the pressure of transformation and upgrading, which leads to the gradual exposure of the credit risk accumulated in the early stage. Emerging industries are in the stage of rapid development, and it is difficult for banks to evaluate their credit risk, so that the credit risk level of domestic commercial banks is generally within the controllable range, but the structural pressure is remarkable. The impact of credit risk on commercial banks is mainly reflected in the decline of asset quality, the weakening of profitability, the threat to the stability of the financial system, etc., and it will also affect the bank's credit supply capacity and market competitiveness. Therefore, strengthening bank credit risk management to ensure the steady development of China's commercial banks in the national economy has become the focus of bank internal control risk management. Pre-lending investigation, approval in lending and post-lending management of credit business play an important role in the credit risk management system of commercial banks. | |
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