我国商业银行信用风险管理研究摘 要 商业银行在经营过程中，面临着各种各样的风险。信用风险作为我国商业银行当下所存在的一大风险，怎么做好它的管理工作是我国商业银行目前所要严肃对待的问题。如今我国商业银行的信用风险管理体系并不完善，在管理上也还具备许多漏洞，尤其是信用风险管理理念、方法和技术还比较落后。本文共分五个部分开展研究:第一部分对商业银行信用风险管理的有关概念展开探讨，对风险的定义、信用风险的特点和管理类别进行论述，为后文的研究奠定理论基础；第二部分，以中国农业银行 S 分行为例，分析该银行信用风险管理的现状；第三部分中国农业银行 S 分行存在的问题；第四部分中国农业银行 S 分行的问题成因；第五部分是文章的核心部分，该部分结合前文的分析与介绍，从建立科学的信用风险管理理念、健全人力资源制度、做实精细化管理、建立独立的信用风险管理组织体系四个方面提出完善 S 分行信用风险管理的详细举措。关键词：商业银行；信用风险；信用风险管理Research on Credit risk Management of Commercial Banks in ChinaAbstractCommercial banks are facing a variety of risks in the course of operation. Credit risk is one of the important risks faced by Chinese commercial banks at present. How to improve the level of credit risk management of commercial banks has become an important problem in China's banking industry. At present, the credit risk management system of commercial banks in China is not perfect, and there are still many problems in management, especially the concept, method and technology of credit risk management. This paper is divided into five parts: the first part of the commercial bank credit risk management theory research, from the risk concept, credit risk characteristics, credit risk management classification of the theory. The second part, taking the S branch of Agricultural Bank of China as an example, analyzes the current situation of credit risk management of Agricultural Bank of China, the third part, the problems exi...
