农行甘肃省分行个人贷款风险管理策略研究

发布时间：2018-06-05 19:40

本文选题：农行甘肃省分行 + 个人贷款　；参考：《兰州理工大学》2013年硕士论文

【摘要】：自从20世纪90年代末以来,随着我国经济总量的持续快速增长,城镇化进程持续加快,国家宏观政策的激励,商业银行的贷款业务,尤其是个人贷款业务快速发展,贷款余额快速上升,已经进入了发展的高速成长期。商业银行作为经营风险的特殊机构,必须对经营活动的风险实现有效控制。相对于个人贷款业务规模快速扩张的态势,其风险管理水平仍处在一个较低的水平。目前国内各商业银行的个人贷款业务风险管理模式正处于探索阶段,寻找到一个适合本行特点的个人贷款业务风险管理模式显得尤为迫切。本文以各大商业银行进行零售业务转型,大力推进个人贷款业务发展为背景,通过对商业银行个人贷款风险管理理论的深入研究,对国内外商业银行个人信贷业务风险管理的先进经验进行了总结分析,根据甘肃省银监局、农业银行甘肃省分行提供的统计数据,对中国农业银行甘肃省分行个人贷款业务经营过程中的风险管理模式进行了剖析,梳理了该行个人贷款业务风险管理工作中存在的问题,并对风险成因进行了较为全面的阐述,结合该行个人信贷业务的经营特点,提出了商业银行必须通过积极培育商业风险管理文化、健全风险管理制度、创新业务经营机制、规范和优化操作流程等途径加强个人贷款业务的风险管理。试图对该行的个人贷款业务风险管理工作提供一定的指导。
[Abstract]:Since the end of 1990s, with the rapid growth of China's economy, the process of urbanization, the encouragement of national macro policy, the loan business of commercial banks, especially the personal loan business, has developed rapidly. Loan balance rises rapidly, has entered the high-speed growth period of development. As a special organization, commercial banks must control the risks of business activities effectively. Compared with the rapid expansion of personal loan business, its risk management level is still in a lower level. At present, the individual loan business risk management model of the domestic commercial banks is in the exploratory stage, it is particularly urgent to find a personal loan business risk management model suitable for the characteristics of the bank. In this paper, the retail business transformation of major commercial banks, vigorously promote the development of personal loan business as the background, through the commercial banks personal loan risk management theory in-depth research, This paper summarizes and analyzes the advanced experience of personal credit risk management of commercial banks at home and abroad. According to the statistics provided by Gansu Banking Regulatory Bureau and Gansu Branch of Agricultural Bank, This paper analyzes the risk management mode of personal loan business in Gansu Branch of Agricultural Bank of China, combs the problems existing in the risk management of personal loan business of Agricultural Bank of China, and expounds the causes of risk in a comprehensive way. Combined with the management characteristics of the bank's personal credit business, it is pointed out that commercial banks must actively cultivate the culture of commercial risk management, improve the risk management system, and innovate the business operation mechanism. Standardize and optimize the operation process to strengthen the risk management of personal loan business. This paper attempts to provide some guidance to the bank's personal loan business risk management.
【学位授予单位】：兰州理工大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.33;F832.479

【参考文献】