商业银行是为满足市场经济发展和社会化大生产需求而建立的金融组织，是工商企业债务资本的主要提供者，支撑着我国国民经济平稳快速地发展。信贷业务是商业银行的核心业务板块，因此对信贷风险进行深入分析、对信贷风险管控体系进行优化研究，有利于提高商业银行的盈利水平，为商业银行高质量、可持续发展提供有力保障。鉴于此，本文依据风险管理、财务管理、金融学等相关理论知识，以Y商业银行信贷风险管控体系作为研究对象，采用案例分析法、问卷调查法等研究方法，深入剖析Y商业银行信贷风险管控体系目前存在的问题及原因，并提出了相应的优化方案及保障措施。

     本文的主要研究成果与结论如下：（1）调查研究了Y商业银行信贷风险管控体系，揭示了其存在的主要问题：风险管控体系目标与概念不明确、框架不合理；风险评估机制不完善；风险应对策略不科学；风险监督制度不规范；缺乏系统合理的信贷风险持续改进程序。随后分别从宏观层面与微观层面解释了Y商业银行出现上述问题的原因。（2）针对Y商业银行信贷风险管控体系存在的问题进行系统性优化：首先重新设立信贷风险管控体系的目标与概念框架；其次，在风险评估程序中，优化风险识别结构、风险分析与评价体系；在风险应对策略方面，健全信贷风险补救体系、预警体系、转移机制与责任机制；在信贷风险监督程序中，分别从贷前、贷中、贷后三方面进行完善；最后将建立科学的、有效的持续改进程序作为优化内容的结尾步骤。（3）针对Y商业银行信贷风险管控体系的优化内容，提出保障措施：建立思想与文化保障，大力培育健康的风险文化；建立机制与制度保障，完善信贷风险管控制度及内部控制制度；建立机构与人员保障，明确相关机构与人员的责任分配；建立设施与经费保障，建立Y商业银行信贷管理信息系统，并配备相应的经费，相关工作人员要合理使用、高效利用。

     本文丰富了商业银行信贷风险管控方面的相关研究内容，同时可以为Y商业银行信贷风险管控体系的持续改进提供理论依据与指引，为其他类似商业银行提供参考借鉴。

Commercial banks are financial organizations established to meet the needs of market economic development and socialized mass production. They are the main providers of debt capital for industrial and commercial enterprises, supporting the steady and rapid development of China's national economy. Credit business is the core business of commercial banks. Therefore, in-depth analysis of credit risk and optimization of credit risk control system are conducive to improving the profitability of commercial banks and providing a strong guarantee for the high-quality and sustainable development of commercial banks. In view of this, based on the relevant theoretical knowledge of risk management, financial management and finance, this paper takes the credit risk management and control system of Y commercial bank as the research object, uses case analysis, questionnaire survey and other research methods, deeply analyzes the existing problems and reasons of the credit risk management and control system of Y commercial bank, and puts forward the corresponding optimization scheme and guarantee measures.

The main research results and conclusions of this paper are as follows: (1) investigated and studied the credit risk management and control system of Y commercial bank, and revealed its main problems: the goal and concept of the risk management and control system are unclear and the framework is unreasonable; The risk assessment mechanism is not perfect; Unscientific risk response strategies; The risk supervision system is not standardized; Lack of systematic and reasonable credit risk continuous improvement procedures. Then it explains the reasons for the above problems of Y commercial bank from the macro level and micro level. (2) Systematically optimize the problems existing in the credit risk management and control system of Y commercial bank.: First, re-establish the objective and conceptual framework of the credit risk management and control system; Secondly, in the risk assessment procedure, optimize the risk identification structure, risk analysis and evaluation system; In terms of risk response strategies, improve the credit risk recovery system, early warning system, transfer mechanism and responsibility mechanism; In the credit risk supervision procedure, it is improved from three aspects: pre loan, in loan and post loan; Finally, establish a scientific and effective continuous improvement program as the final step of the optimization content. (3) This paper puts forward safeguard measures for the optimization of the credit risk management and control system of Y commercial bank: Establish ideological and cultural guarantee and vigorously cultivate a healthy risk culture; Establish mechanism and system guarantee, improve credit risk control system and internal control system; Establish organization and personnel guarantee and clarify the responsibility distribution of relevant organizations and personnel; Establish facilities and fund guarantee, establish the credit management information system of Y commercial bank, and allocate corresponding funds. Relevant staff should use them reasonably and efficiently.

This paper enriches the relevant research content of credit risk management and control of commercial banks. At the same time, it can provide theoretical basis and guidance for the continuous improvement of credit risk management and control system of Y commercial bank, and provide reference for other similar commercial banks.

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