长安银行W分行信贷风险管理研究  

Research on Credit Risk Management of Chang'an Bank W Branch

作　　者：马建威[1] 田祺 邓超楠 MA Jian-wei;TIAN Qi;DENG Chao-nan(School of Economics and Management,Lanzhou University of Technology,Lanzhou 730050,Gansu)

机构地区：[1]兰州理工大学经济管理学院,甘肃兰州730050

出　　处：《江苏商论》2025年第4期103-105,122,共4页Jiangsu Commercial Forum

基　　金：甘肃省软科学专项:数字化视角下甘肃省城市韧性评估与时空演变(23JRZA446);甘肃省哲学社会科学规划项目:甘肃县域经济分类发展研究(2022YB065)。

摘　　要：商业银行作为“经营风险”的企业,信贷资产质量从侧面反映了盈利能力和经营状况,并对盈利能力和经营状况有着重大的影响。长安银行W分行各项信贷风险监管指标虽保持在可控范围内,但在业务结构、识别和评估体系、风险处置等方面还存在问题。本文结合实际情况提出健全信贷风险管理组织体系、完善识别和评估机制、构建数字化信贷风险智能预警系统和强化风险处置应对方式等具有可操作性的改进方案。As a“business risk”enterprise,the quality of credit assets of commercial banks reflects their profitability and operating conditions from a side perspective,and has a significant impact on profitability and operating conditions.Although the various credit risk regulatory indicators of Chang'an Bank W Branch remain within a controllable range,there are still problems in terms of business structure,identification and evaluation system,and risk disposal.This article proposes feasible improvement plans based on actual situations,such as improving the organizational system for credit risk management,perfecting identification and evaluation mechanisms,constructing a digital credit risk intelligent warning system,and strengthening risk disposal and response methods.

关 键 词：长安银行W分行 信贷资产 信贷风险管理 

分 类 号：F832.4[经济管理—金融学]