交通银行杭州分行消费信贷风险管理研究

发布时间：2018-04-05 00:29

本文选题：交通银行杭州分行　切入点：消费信贷　出处：《兰州理工大学》2016年硕士论文

【摘要】：消费信贷在国外已经有很多年的发展历史,美国和日本等发达国家积累了丰富的经验,我国的消费信贷是在1998年后才慢慢发展起来的,在扩大内需的推动下,随着我国资本市场的逐步完善得到了积极的发展,消费信贷目前已经成为各大商业银行的主要业务和利润的增长点。但是,如果一味的追求利益而忽视了风险,在对消费信贷的审核方面放松、简化手续,必然会造成各大银行之间的恶性竞争,当达到一定的量时会出现很多的负面事件的发生。本文首先介绍了交行杭州分行消费信贷的基本情况,以及履约和违约情况的分析,对消费信贷出现的风险原因进行了系统的分析,并借鉴国外发达国家的经验,针对消费贷款所出现的风险提出了相应的措施。本文分七章进行研究分析。第一章是绪论部分,主要介绍了研究背景和研究意义,并分析了国内外研究现状,对消费贷款的一些基本情况进行了介绍,阐述了本论文的研究方法和研究内容,研究框架图。第二章主要介绍了消费信贷的相关理论基础。从消费信贷的概念和特点出发,深入分析了消费信贷风险产生的理论基础,并将消费信贷进行了相关的分类,为本论文的进一步研究的理论基础做好了铺垫。第三章介绍了交行杭州分行的基本概况,对近几年杭州分行消费贷款额度和违约情况进行了详细的分析,抽取了200组客户的情况从婚姻、职业等方面进行定量分析。第四章,根据上一章的研究成果,从银行内部和外部对消费信贷的原因进行了分析。第五章借鉴国外消费信贷管理的经验,主要是美国、德国和日本几个国家在消费贷款的风险管理方面的经验,尤其是美国金融危机的发生,给我国的消费信贷具有重要的借鉴意义。第六章通过借鉴国外在消费信贷方面的经验,针对交行杭州分行消费信贷所存在的问题,提出相应的风险管理措施。第七章结论和展望。对本论文的研究工作进行总结,并对消费信贷的下一步研究工作做出展望。
[Abstract]:Consumer credit has been developing for many years abroad. Developed countries such as the United States and Japan have accumulated rich experience. Consumer credit in China developed slowly after 1998, driven by the expansion of domestic demand.With the gradual improvement of the capital market in China, consumer credit has become the main business and profit growth point of commercial banks.However, if we blindly pursue the interests and ignore the risks, relax the examination of consumer credit and simplify the procedures, it will inevitably lead to vicious competition between the major banks, when a certain amount will occur a lot of negative events.This paper first introduces the basic situation of consumption credit in Hangzhou Branch of the Bank of Communications, as well as the analysis of performance and breach of contract, systematically analyzes the risk causes of consumer credit, and draws lessons from the experience of developed countries.According to the risk of consumer loans, the corresponding measures are put forward.This paper is divided into seven chapters.The first chapter is the introduction part, mainly introduces the research background and the research significance, and analyzes the domestic and foreign research present situation, has carried on the introduction to some basic situation of the consumer loan, elaborated this thesis research method, the research content, the research frame chart.The second chapter mainly introduces the related theoretical basis of consumer credit.Based on the concept and characteristics of consumer credit, this paper deeply analyzes the theoretical basis of consumer credit risk, and classifies consumer credit in order to lay a good foundation for further research in this paper.The third chapter introduces the basic situation of Hangzhou Branch of the Bank of Communications, analyzes the consumption loan quota and breach of contract in Hangzhou Branch in detail in recent years, and extracts 200 groups of customers from marriage, occupation and other aspects to carry on quantitative analysis.Chapter four, according to the research results of the previous chapter, analyzes the reasons of consumer credit from inside and outside the bank.The fifth chapter draws lessons from the experience of foreign consumer credit management, mainly the experience of the United States, Germany and Japan in the risk management of consumer loans, especially the occurrence of the financial crisis in the United States.Consumer credit to our country has important reference significance.The sixth chapter proposes the corresponding risk management measures in view of the problems existing in the consumer credit in Hangzhou Branch of the Bank of Communications by using the experience of foreign countries for reference.Chapter VII conclusions and prospects.The research work of this paper is summarized, and the future research work of consumer credit is prospected.
【学位授予单位】：兰州理工大学
【学位级别】：硕士
【学位授予年份】：2016
【分类号】：F832.4

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