招商银行长沙分行个人贷款风险管理改进研究

发布时间：2018-02-24 14:33

本文关键词： 招商银行贷款风险风险控制　出处：《湖南大学》2013年硕士论文　论文类型：学位论文

【摘要】：随着经济的快速发展，自上个世纪末以来，我国商业银行的个人贷款业务得到快速发展。个人贷款业务持续快速发展，贷款余额不断上升，表明我国的个人贷款业务市场已经进入快速增长关键时期。与此同时，由于个人贷款业务还属于我国商业银行的一项新兴业务，个人贷款业务的风险管理缺乏现成的模型可供借鉴和参考，也没有办法形成一个完整独立的系统。在我国商业银行个人贷款业务不断发展的情况下，我们迫切需要对现有的风险管理系统加以改善和提高，主要是因为现有的风险管理系统还不能完全适应个人贷款业务风险管理快速发展的要求。本文以招商银行长沙分行的个人贷款业务为研究内容，对其从理论和实践的角度进行认真的探讨分析，突出针对性和可操作性，着力探讨商业银行个人贷款风险管理有效对策，为推进个人贷款业务的健康、持续、快速发展提供有益参考。论文首先通过梳理商业银行个人贷款风险管理的相关理论，然后基于理论和实际从基本概括和发展现状进一步分析了招商银行长沙分行个人贷款业务风险现状。然后从招商银行长沙分行个人贷款业务的现状入手，从外部因素、经营管理、金融工具风险量化管理三个作风险这三个视角分析风险管理存在问题的原因。探究三大风险的影响因素，，为进一步提出个人贷款风险防范对策打下基础，根据得出的现状和原因进一步提出解决对策和方案。最后提出了招商银行长沙分行个人贷款风险管理对策实施的保障措施以期对招商银行长沙分行的决策和实践起到积极的推动作用，促进招商银行长沙分行业务的可持续发展。希望本文研究能够为商业银行个人贷款业务风险管理提供有益参考。
[Abstract]:With the rapid development of economy, since the end of last century, China's commercial banks personal loan business has been developing rapidly. The sustained and rapid development of the personal loan business loans continue to rise, that personal loan market in China has entered a rapid growth in key period. At the same time, as a newly emerging business personal loan business also belong to the Commercial Bank of our country, the risk management of personal loan business of the lack of available model for reference, there is no way to form a complete and independent system. In the development of the personal loan business of commercial banks in China under the situation, we urgently need to improve and enhance the risk management of the existing system, mainly because the existing risk management system is not fully adapt to the rapid development of the risk management of personal loan business requirements.
In this paper, Changsha branch of China Merchants Bank personal loan business as the research content, the theory and practice from the perspective of earnest discussion, highlight the pertinence and operability, focus on personal loans of commercial banks risk management effective measures to promote the sustained personal loan business healthy and rapid development, provide a useful reference. Firstly, according to the relevant theory of personal loans out of commercial bank risk management, and then from the theoretical and practical status of basic summary and further analysis of the development of China Merchants Bank branch Changsha personal loan business risk based on the current situation. Then starting from the present situation of the personal loan business of China Merchants Bank Changsha branch, from external factors, business management, financial risk management tools three of the three perspectives of risk analysis and risk management problems. Concerning three factors of the risk, for further. Personal loans risk prevention measures to lay the foundation, according to the current situation and reasons that further puts forward the countermeasures and solutions. Finally put forward some measures to ensure personal loan risk management countermeasure implementation Changsha branch of China Merchants Bank China Merchants Bank branch in order to Changsha decision-making and practice play a positive role in promoting, promote the sustainable development of China Merchants Bank Changsha a branch of a business.
It is hoped that this study can provide useful reference for the risk management of personal loan business of commercial banks.

【学位授予单位】：湖南大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.4

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