【作者】 李强；

【导师】 饶育蕾；

【作者基本信息】 中南大学 ， 工商管理（MBA）（专业学位）， 2025， 硕士

【摘要】 在当下的金融领域,市场环境复杂多变,商业银行整体净利润增速呈现下滑趋势,不良贷款处置压力增大,银行间竞争愈发白热化,对公信贷业务作为NB银行S分行的关键盈利板块,其管理水平的高低直接关乎银行在市场中的竞争力及可持续发展能力。然而,NB银行S分行对公信贷业务在获客来源、信贷产品、贷前检查、贷中审批及贷后管理等多个关键环节暴露出一系列问题,严重制约了业务的高质量发展。本文以NB银行S分行为研究对象,旨在提升其对公信贷业务的管理效率及风险防控能力,助力其在复杂多变的金融市场中实现稳健发展。本文先表明了研究的背景与意义,概述了国内外对公信贷业务管理的研究状况,对城市商业银行、对公信贷业务的概念予以界定,并且阐述了与之有关的理论依据,细致剖析了NB银行S分行对公信贷业务经营的基本情况及其现状之后,找出了该分行在对公信贷业务经营方面存在的实际问题,包含获客渠道单一、产品同质化严重、贷前调查不深入、贷中审批流程繁琐及贷后管理缺失等,并运用信息不对称理论、内部原因等深入探究问题成因,基于4P营销理论、信贷风险管理理论以及客户关系管理理论,从规范获客来源、加强产品研究、优化管理流程及增强业务管理分类这四个方面给出一套系统、全面且具有针对性的业务管理优化策略。具体来说,建议拓展多元化获客渠道、设立合理的奖惩机制;丰富对公信贷产品种类,提供差异化服务;理清贷前调查内容,严格贷中审批,切实履行贷后管理;加强特色行业与客户研究,实施分层管理等等。研究结论表明,执行这些优化建议之后,NB银行S分行有望改善对公信贷业务的管理效率并优化其服务品质,增强市场竞争力,同时有效降低信贷风险,本文的研究成果不仅为NB银行S分行提供了实践指导,也为同类城市商业银行的对公信贷业务管理提供了有益的参照与启迪。更多还原

【Abstract】 In the current financial landscape,the market environment is complex and volatile.The overall net profit growth rate of commercial banks is showing a downward trend,the pressure of non-performing loan disposal is increasing,and competition among banks is becoming increasingly fierce.As a key profit-making sector for the S Branch of NB Bank,the management level of its corporate credit business directly affects the bank’s competitiveness and sustainable development ability in the market.However,the corporate credit business of Branch S of NB Bank has exposed a series of problems in multiple key links such as customer acquisition sources,credit products,pre-loan inspection,in-loan approval and post-loan management,which has seriously restricted the high-quality development of the business.This thesis takes the S Branch of NB Bank as the research object,aiming to enhance the management efficiency and risk control ability of its corporate credit business,and assist it in achieving stable development in the complex and volatile financial market.This study first presents the background and significance of the research,summarizes the research status of corporate credit business management at home and abroad,defines the concepts of urban commercial banks and corporate credit business,and elaborates on the relevant theoretical basis.After a detailed analysis of the basic situation and current status of the corporate credit business operation of the S Branch of NB Bank,it identifies the actual problems existing in the operation of its corporate credit business,including single customer acquisition channels,severe product homogeneity,insufficient pre-loan investigation,cumbersome during-loan approval processes,and lack of post-loan management.By applying the theory of information asymmetry and internal causes,the reasons for these problems were deeply explored.Based on the 4P marketing theory,credit risk management theory,and customer relationship management theory,it proposes a systematic,comprehensive and targeted set of business management optimization strategies from four aspects:standardizing customer acquisition sources,strengthening product research,optimizing management processes,and enhancing business management classification.Specifically,it suggests expanding diversified customer acquisition channels,establishing reasonable reward and punishment mechanisms;enriching the types of corporate credit products and providing differentiated services;clarifying the content of pre-loan investigations,strictly approving during-loan,and earnestly performing post-loan management;strengthening research on characteristic industries and customers,and implementing stratified management,etc.The research conclusion indicates that after implementing these optimization suggestions,the S Branch of NB Bank is expected to improve the management efficiency and service quality of its corporate credit business,enhance its market competitiveness,and effectively reduce credit risks.The research results of this thesis not only provide practical guidance for the S Branch of NB Bank but also offer beneficial references and inspirations for the management of corporate credit business in similar urban commercial banks.更多还原