摘要:商业银行是以货币为经营对象的国民经济枢纽。由于一切经济活动都是以货币为第一推动力并以货币的获取为根本目的，决定了商业银行是经济中各种风险的聚集地。我国商业银行在风险管理方面还处于起步阶段，市场竞争的加剧所导致金融风险控制难度加大，使得如何加强全面风险管理、如何完善内部风险管理手段成为摆在国内学者、专家面前迫在眉睫待研究探讨和解决的课题。
本文以中国工商银行为例，具体分析了我国商业银行的信贷风险的表现、成因，通过分析信贷风险管理的现状，找到我国商业银行信贷风险管理的问题主要在于信贷风险管理文化缺失、风险管理手段落后、内部控制制度不完善、补偿机制不健全和信贷人员素质参差不齐五个方面，并提出要完善我国商业银行贷款风险管理首先要重塑商业银行风险管理文化，其次加强贷款风险的监测、强化内部控制制度、加强贷款担保制度并使贷款与保险结合，最后应完善客户的信用评级并建立起一支优秀的贷款风险管理人员队伍。
本文一共分为五个部分：第一部分为绪论，介绍了研究的背景。第二部分为理论基础，主要介绍了商业银行及贷款风险管理的相关理论。第三部分以中国工商银行为例，剖析了贷款风险的现状和存在的问题。第四部分提出了完善我国商业银行贷款风险管理的对策。第五部分对全文进行了总结，并对下一步的研究进行了展望。
关键词：商业银行；贷款风险；风险管理
ABSTRACT: Commercial banks in monetary hub of the national economy for business objects. Since all economic activities are based on the currency for the first impetus and access to currency as the fundamental purpose, commercial banks is the gathering place of the various risks in the economy. China’s commercial banks in terms of risk management is still in its infancy, the market competition more difficult to control financial risk, so how to enhance the comprehensive risk management, become imminent to be studied is placed in front of domestic scholars, experts explore how to improve internal risk management tool sand resolve the issue.
Industrial and Commercial Bank of China, for example, a detailed analysis of the performance of China’s commercial banks credit, causes. By analyzing the current situation of the credit risk management, and to find the credit risk management of commercial bank in China main problem lies in the backward means the lack of credit risk management culture, risk management, internal control system is imperfect, the compensation mechanism is not perfect, and five credit uneven quality of personnel. And in the fourth chapter of the article is necessary to improve the risk management of commercial bank loans in China, to reshape the commercial banks risk management culture, strengthen loan risk monitoring, strengthen the internal control system, strengthen the system of loan guarantees and loan insurance, and improve customer’s credit rating to establish an outstanding loan risk management team.
This total is divided into five parts: The first part is an introduction, describes the background to the study. The second part is the theoretical basis, mainly on the commercial banks and loan risk management theories. The third part of the Industrial and Commercial Bank of China, for example, analysis of the credit risk of the current situation and problems. Section IV presents a comprehensive risk management of commercial bank loans countermeasures. The fifth part of the full text are summarized, and future research are discussed.
Key words: Commercial bank; credit risk; risk management
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