我国商业银行个人消费信贷风险管理与研究

发布时间：2018-01-02 07:05

本文关键词：我国商业银行个人消费信贷风险管理与研究　出处：《重庆师范大学》2012年硕士论文　论文类型：学位论文

【摘要】：欧美主要经济强国从20世纪40年代以来，开始广泛推行个人消费信贷，取得的经济效益显著。我国则是从上个世纪70年代末起出现个人消费信贷业务，随着改革开发的不断进展，个人消费信贷开始得到蓬勃发展。2007年，起源自美国的“次贷危机”爆发，并迅速席卷全球主要金融市场，由此敲响了个人消费信贷风险的警钟。为了维护我国金融市场的稳定，促进经济稳定增长和继续繁荣，很有必要深入研究我国商业银行个人消费信贷风险，提前防范和化解相关风险。本文在引言中首先对论文的选题进行了说明，介绍了选题的重要意义，并介绍文章研究的主要思路、方法和相应采用的技术路线，还提出了本文可能的创新之处，紧接着，对消费信贷和消费信贷管理的基本理论作了简要的概括，随后对我国消费信贷风险管理的现状进行了一个简单的分析，，接下来，列举世界上部份经济发达国家在消费信贷风险管理上的一些先进方法，以及一些经验教训，并对此进行了比较分析，通过对比国内外的情况，针对我国消费信贷风险管理特殊情况，提出了一些建议和对策。与此同时，在分析了我国目前消费信贷市场风险现状和存在的问题是，同时，结合重庆市某商业银行的消费信贷数据，利用BP神经网络分析法构建模型，进行了一次个人信用等级的评分，计算出相关数据检验模型，最终结果与银行实际情况相吻合。通过本文对消费信贷风险管理的研究，作者认为，探索如何改进我国商业银行消费信贷风险管理，应从以下几个方面入手，外部支持即法律制度的健全、抓紧完善并规范对个人征信系统的使用；内部方面，加强商业银行内部组织结构和相关制度的建设，是能够有效地化解我国商业银行消费信贷风险，并最终实现对个人消费信贷风险的可控性。
[Abstract]:Since 1940s, major economic powers in Europe and the United States have started to widely implement personal consumer credit, which has achieved remarkable economic benefits. In China, personal consumer credit business has appeared since the end of -30s. With the continuous development of reform and development, personal consumer credit began to flourish. In 2007, the "subprime mortgage crisis" which originated from the United States broke out, and quickly swept the world's major financial markets. In order to maintain the stability of our financial market, promote the stable growth of economy and continue to prosper, it is necessary to study the personal consumption credit risk of commercial banks in our country. Guard against and resolve related risks ahead of time. In the introduction, this paper first explains the topic of the thesis, introduces the significance of the topic, and introduces the main ideas, methods and the corresponding technical route. It also puts forward the possible innovations of this paper, followed by a brief summary of the basic theory of consumer credit and consumer credit management, followed by a simple analysis of the current situation of consumer credit risk management in China. Next, it lists some advanced methods of consumer credit risk management in the top developed countries in the world, as well as some experience and lessons, and carries on the comparative analysis to this, through contrasts the domestic and foreign situation. According to the special situation of consumer credit risk management in China, this paper puts forward some suggestions and countermeasures. At the same time, this paper analyzes the current situation and existing problems of consumer credit market risk in China. Combined with the consumption credit data of a commercial bank in Chongqing, a model was constructed by using BP neural network analysis method, and the personal credit rating was scored once, and the relevant data test model was calculated. The final result coincides with the bank's actual situation. Through the study of consumer credit risk management in this paper, the author thinks that how to improve the consumer credit risk management of commercial banks in China should be started from the following aspects, external support, that is, the sound legal system. To improve and standardize the use of personal credit system; On the internal side, strengthening the construction of internal organization structure and related system of commercial banks can effectively resolve the consumer credit risk of commercial banks in our country, and finally realize the controllability of personal consumption credit risk.
【学位授予单位】：重庆师范大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.479;F224

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