MBA教育中心知识库

在全球经济快速发展的背景下，银行业在金融市场中扮演着举足轻重的角色，信贷风险管理因其对银行稳健运营的重要性而受到广泛关注。近年来，随着市场经济的发展，金融创新使得复杂金融产品出现，银行信贷风险管理的需求愈加迫切。现代信贷风险管理从传统的定性分析逐步转向定量分析，信息技术的进步和大数据的应用为信贷风险管理提供了全新思路和技术支持。此外，外部监管政策的日益严格，使得银行的风控能力面临更高的要求。面对错综复杂且瞬息万变的市场环境，优化信贷风险管理策略对提高银行竞争力以及防范系统性金融风险至关重要。

本文以G银行L分行为例，通过运用问卷调查、访谈、层次分析等方法，对该行信贷风险管理状况进行综合分析，揭示出该行在内部控制、风险评估及管理流程中存在的不足。首先，G银行L分行过于集中的信贷投资方向暴露了其在抗风险能力上的薄弱点。其次，虽然其信贷管理流程有章可循，但实际操作中常因执行力不足而导致偏差，影响风险识别与控制。再次，人才培养机制不完善，信贷审查人员专业素质和管理能力仍需增强。为应对上述问题，本文提出了一系列优化策略:通过加强行业风险分散、优化信贷审核程序、丰富信贷结构和加强专业队伍的建设等，G银行L分行能够提高其信贷管理的执行效率和精准度，从而降低潜在风险损失，保护投资者及储户的利益。本文通过实证调研与定性分析,确保理论与实践的密切结合。

关键词：信贷风险 信贷风险管理 策略优化

Against the background of the rapid development of the global economy, the banking industry plays an important role in the financial market, and credit risk management has attracted wide attention because of its importance to the stable operation of banks. In recent years, with the development of the market economy, financial innovation has led to the emergence of complex financial products, and the demand for bank credit risk management has become more urgent. Modern credit risk management has gradually shifted from traditional qualitative analysis to quantitative analysis. The progress of information technology and the application of big data have provided new ideas and technical support for credit risk management. In addition, the increasingly strict external regulatory policies make banks' risk control capabilities face higher requirements. In the face of a complex and rapidly changing market environment, optimizing credit risk management strategies is crucial to improving bank competitiveness and preventing systemic financial risks.

Taking L Branch of Bank G as an example, this paper makes a comprehensive analysis of the credit risk management of the bank by means of questionnaire, interview and AHP, and reveals the deficiencies in the internal control, risk assessment and management process of the bank. First of all, G bank L branch is too concentrated in the direction of credit investment exposed its ability to resist risks on the weak point. Second, although its credit management process is a rule-based process, in practice, inadequate execution often leads to bias, which affects risk identification and control. Thirdly, talent development mechanisms are inadequate, and the professional quality and managerial capacity of credit reviewers still need to be enhanced. To address the above issues, this paper proposes a series of optimization strategies: by strengthening risk dispersion in the industry, By optimizing the credit audit process, diversifying the credit structure and strengthening the construction of professional teams, Bank L Branch of G can improve the execution efficiency and precision of its credit management, thereby reducing potential risk losses and protecting the interests of investors and depositors. This paper combines empirical research with qualitative analysis to ensure that theory and practice are closely integrated.

Keywords：Credit risk；Risk management；Strategies optimization