商业银行信用风险数字化管理体系建设  

Construction of a Digital Credit Risk Management System for Commercial Banks

作　　者：张鸿飞 靳继辉 李颖[1] 刘杰[1] 陈猷 李波[1] Zhang Hongfei;Jin Jihui;Li Ying;Liu Jie;Chen You;Li Bo(Hebei Energy College of Vocation and Technology,Tangshan Hebei 063004,China)

机构地区：[1]河北能源职业技术学院,河北唐山063004

出　　处：《河北能源职业技术学院学报》2024年第1期54-56,共3页Journal of Hebei Energy College of Vocation and Technology

基　　金：河北省高等学校人文社会科学研究项目“数字经济下唐山市科技金融体系建设路径研究”(SZ2023156)最终研究成果。

摘　　要：随着银行业的不断发展和国家监管要求的加强,商业银行信用风险管理已经成为一个重要问题。本文从数字化管理体系方面出发,探讨商业银行信用风险数字化管理的必要性,并提出信用风险数字化管理体系的构建框架和管理准则。通过梳理国内外相关研究和实践经验,总结出商业银行信用风险数字化管理体系的关键指标和操作流程。分析了信用风险数字化管理体系效果和现有问题,并提出相应的改进建议。With the continuous development of the banking industry and the strengthening of national regulatory requirements,the credit risk management of commercial banks has become an important issue.From the aspect of digital management system,this paper discusses the necessity of digital credit risk management of commercial banks,and puts forward the construction framework and management criteria of digital credit risk management system.By combing the relevant research and practical experience at home and abroad,this paper summarizes the key indicators and operational processes of the digital credit risk management system of commercial banks,analyzes the effects and existing problems of the digital credit risk management system,and puts forward corresponding improvement suggestions.

关 键 词：商业银行 信用风险数字化管理 指标 操作流程 实践 

分 类 号：F832.4[经济管理—金融学]