金融科技背景下商业银行公司信贷风险管理研究——以工商银行为例

Research on Corporate Credit Risk Management in Commercial Banks under the Background of FinTech—A Case Study of ICBC

摘要: 当前金融科技进入高质量发展阶段，特别是对银行业业务起到了很大的便捷作用，但是在此背景下银行业在提升客户服务质量的同时如何管理公司信贷风险也是关键之处。本文以工商银行为研究对象，梳理其公司信贷的现状、流程及存在的问题，最后从贷前、贷中、贷后三个方面提出针对工商银行在金融科技背景下对于公司信贷风险管理的建议，为其他商业银行提供一定的参考。

Abstract: With the entry of financial technology into a high-quality development stage, it has brought great convenience to the business of the banking industry. However, under this background, how to manage corporate credit risk while improving customer service quality is also a key issue for the banking industry. This paper takes Industrial and Commercial Bank of China (ICBC) as the research object, combs through the current situation, process and existing problems of its corporate credit, and finally puts forward suggestions for ICBC’s corporate credit risk management under the background of financial technology from three aspects: pre-loan, during-loan and post-loan, providing references for other commercial banks.