W商业银行个人信贷风险管理研究

发布时间：2018-01-07 09:06

本文关键词：W商业银行个人信贷风险管理研究　出处：《宁夏大学》2017年硕士论文　论文类型：学位论文

【摘要】：改革开放后,国民经济水平大幅上升,从脱贫致富到奔向小康,人们的生活水平得到了明显提升,家庭财富有了增长,人们迫切的希望提升生活质量,改善生活环境的愿望,带动了消费需求进一步增大,“花明天的钱,圆今天的梦”开始引领着人们的消费观念。为适应个人对贷款资金的需求,个人信贷业务成为了国内各个银行贷款业务的一部分,个人信贷的种类和项目如雨后春笋般遍地开花,目前的主要贷款项目仍以自用性商品房、家用汽车等奢饰品,以及为改善生活品质的综合性分期贷款、助学分期贷款、旅游分期贷款等为主。个人信贷业务种类逐渐增多,可相似性居高,产品差异化不明显,在经济下滑的全球金融环境下,个人信贷业务成为了各大银行间相互竞争的利润点,通过简化业务审批流程、缩短信贷时间吸引客户,信贷准入门槛降低,因此个人贷款业务的风险频频发生,对于风险的管控管理成为了商业银行需要关注的问题。在面对大量同质化、竞争激烈的市场时,W商业银行为了在金融市场中能分得一杯羹,就要面临个人信贷业务带来的风险,诸如在信贷业务办理中的从业人员专业能力不足带来的操作风险和道德风险,在审批过程中产生的法律风险和制度风险,以及贷后管理中的违约风险和道德风险,均会对商业银行的金融资产带来一定的损失。在对大量个人信贷业务的理论和经验学习的基础上,对W商业银行的风险进行了初步的调研,本文以W商业银行个人信贷业务为研究对象,根据W商业银行的实际情况,借助调研数据、图表等资料,利用金融业5C准则,设计了个人信贷资信评定标准表。运用AHP层次分析法,将W商业银行信贷业务中影响风险的几大因素对比,对未来影响个人信贷还款能力的因素进行分析,作为信贷风险管理的重点,做好贷前、贷后的动态监管。依据现有的个人信贷风险分析,寻找问题,给予W商业银行在个人信贷中的风险管理的对策,对个人信贷业务的未来发展提出风险管理建议。
[Abstract]:After the reform and opening up, the national economy level increased sharply, from poverty to prosperity, people's living standard has been improved significantly, household wealth has increased, people are eager to improve the quality of life, improve the living environment of the desire, driven by consumer demand further increases, "spend tomorrow's money today yuan dream began to lead the people's consumption concept. In order to meet the individual needs of the loan funds, personal credit business has become a part of the domestic bank loan business, project type and personal credit such as flowering times like bamboo shoots after a spring rain, the main current loan project is still occupied by commercial housing, household cars and other luxury jewelry. And in order to improve the comprehensive quality of life of the student loan installments, installment loans, travel installment loans etc.. Personal credit business types can be gradually increased, the similarity is high, product differentiation is unknown Obviously, the economic downturn in the global financial environment, personal credit business has become a major bank competition between the point of profit by simplifying the approval process of credit business, shorten the time to attract customers, credit access threshold is reduced, so the risk of personal loans occurred frequently, for control of risk management has become the commercial banks need to pay attention to in the face of a large number of problems. The homogenization of the competitive market, W commercial banks to a share in the financial market, they will face the risk of personal credit business, such as lack of professional ability of employees in the credit business in the operational risk and moral risk, legal risk and system risk in the process of examination and approval, and post loan management of default risk and moral risk, will bring some loss of financial assets of commercial banks. In a large number of people Based on the theoretical and Empirical Study of credit business on the risk of W commercial bank conducted a preliminary investigation, based on the personal credit business of commercial bank W as the research object, according to the actual situation of W commercial bank, with the survey data, charts and data, using the 5C of financial industry standards, the design of personal credit evaluation the standard table. Using the AHP analytic hierarchy process, comparison of several major factors will influence W commercial bank credit business risk, the factors impact on the future of personal credit repayment ability analysis, as the focus of credit risk management, good credit, dynamic supervision after loan. The problem of finding on the basis of analysis, the existing personal credit risk give the Countermeasures of W risk management of commercial banks in the personal credit risk management, puts forward suggestions on the future development of the personal credit business.

【学位授予单位】：宁夏大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.479

【参考文献】