摘要：信贷风险管理是现代商业银行经营管理的核心内容，信贷风险管理水平的高低直接关系到商业银行经营的成败。因此,如何提高商业银行应对信贷风险的能力，降低商业银行的信贷风险水平是一项重要课题。本文首先分析了我国商业银行信贷风险的现状，对存在问题进行了深入的原因分析。随后本文介绍了现有商业银行信贷风险管理的措施，并对其进行了分析与评价。其次以三门峡银行信贷风险控制为研究对象，对其风险控制现状进行具体分析。整体概括了三门峡银行的特点，对三门峡银行信贷风险控制存在的问题及存在问题的原因进行分析，进一步验证了对三门峡银行信贷风险控制进行综合评价的必要性。最后，文章提出商业银行信贷风险管理的对策建议，希望商业银行能够提高其自身应对风险的能力，保证我国银行业经营的稳定性和持续性。

关键词：商业银行 信贷风险 三门峡银行

Abstract: Credit risk management is the core of modern commercial bank operation. The level of credit risk management may decide the fact of a bank. So it is an important topic that how to improve the ability to cope with credit risk and how to reduce the credit risk in commercial banks. Firstly, this paper analyzes the credit risk management current situation in China’s commercial banks and makes a deep analysis of the reason for the problems. And then we introduce the strategy of credit risk management and make a review about this topic. Secondly, this paper analyzes the current situation of San Menxia Bank’s credit risk control. Generalizes the features of San Menxia Bank and lists the existing problems causes of San Menxia Bank’s credit risk control, therefore, further verifies the necessity of comprehensive evaluation. In the last part, we suggest that in order to improve the credit risk management ability of China’s commercial bank. In this way, we can improve the ability of commercial bank to manage the credit risk and ensure the stability and sustainability of China’s banking.

Key words:  commercial bank  credit risk  San Menxia bank