运筹学视角下商业银行信贷业务风险管理研究

Research on Risk Management of Credit Business of Commercial Banks from the Perspective of Operational Research

摘要: 商业银行整体发展中需要做好各项风险的管理，信贷业务风险作为一种具体的风险形式也需要得到更为有效的管理。运筹学视角下商业银行信贷业务风险管理中要强化“控制”，这与商业银行内部控制需求也有较高的一致性。部分商业银行基于运筹学视角进行了信贷业务风险管理尝试，基于观察、对比和分析后能够发现，相应风险管理中取得了一定成绩，但管理实践上也存在一些具体问题。本文具体分析了运筹学视角下商业银行信贷业务风险管理中存在的问题，并结合实际提出了科学规划基础上构建全面的风险管理体系、立足实际明确风险管理重点等策略，研究结果表明，运筹学可以成为商业银行信贷业务风险管理中的基础性指导，运筹学知识有效应用也可以帮助商业银行更好管理相应风险。

Abstract: In the overall development of commercial banks, it is necessary to manage various risks well, and credit business risk, as a specific form of risk, also needs to be managed more effectively. From the perspective of operational research, it is necessary to strengthen “control” in the risk management of credit business of commercial banks, which is also highly consistent with the internal control needs of commercial banks. Some commercial banks have attempted credit business risk management from the perspective of operations research. Based on observation, comparison, and analysis, it can be found that certain achievements have been made in corre-sponding risk management, but there are also some specific problems in management practice. This article specifically analyzes the problems in risk management of commercial bank credit business from the perspective of operations research, and proposes strategies such as building a comprehensive risk management system based on scientific planning and clarifying risk management priorities based on reality. The research results show that operations research can become a fundamental guidance for risk management of commercial bank credit business, The effective application of operations research knowledge can also help commercial banks better manage corresponding risks.