吉林银行辽源分行个人贷款业务风险防范研究

发布时间：2018-07-09 16:54

本文选题：个人贷款 + 风险特点　；参考：《吉林大学》2017年硕士论文

【摘要】：在上个世纪的90年代,我国银行的贷款业务就在不断的发展,并且其发展的速度飞快。在个人贷款业务中,其迅速的发展和余额的持续增加,这都是我国在贷款业务当中,进入高速发展时代的标志。此外,由于我国的金融行业,是相对与其他国家较晚起步的,并且发展的速度也比较缓慢,个人贷款业务在现行的商业银行中,是属于一种新兴的业务,拥有的方法以及风险上的管理方法,对于其他业务来说没有可利用的模式,同时也没有相对完整的风险控制体系。目前,针对于我国的商业银行中,个人贷款业务发展的现状,还有增加贷款业务份额的比重,在个人贷款业务快速发展的今天,其现行的风险管理体系是与风险管理的要求完全不相匹配的,当务之急是改善和提高当前的风险管理体系。对于吉林银行辽源分行来说是一样的,个人贷款业务对其来说,也是属于新兴的业务,现行的风险管理模式,在风险控制这块同样没有可利用的,尚未形成一个相对独立的控制体系,仅仅是将风险控制作为其银行全面风险管理的一部分而已。在本文中,以吉林银行辽源分行为例,首先以个人贷款的风险形式以及特征入手,研究其存在的隐患,通过引入个人贷款业务风险防范的概念等相关理论知识,并以其作为研究的基础。其次,分析当前商业银行银行业务风险的管理现状,对当前个人贷款业务风险管理的现状进行全面的分析,以发现其产生风险的因素,为下面研究吉林银行辽源分行的个人贷款风险防范打下坚实的基础。最后,重点分析吉林银行辽源分行,依据其当前的风险现状,根据现在商业银行的总体现状,探究其面临的风险问题,本文将会针对于此,提出几点针对其当前风险问题的解决对策以及防范措施,对于吉林银行辽源分行今后在个人贷款业务的发展中,具有现实的指导性意义。
[Abstract]:In the 90's of last century, the loan business of our country bank has been developing continuously, and its development speed is very fast. In the personal loan business, its rapid development and continuous increase of balance, which is our country in the loan business, enter the era of rapid development. In addition, since the financial industry in China started relatively late with other countries, and the pace of development is relatively slow, personal loan business is a new kind of business in the current commercial banks. The methods of ownership and risk management are not available to other businesses, and there is no relatively complete risk control system. At present, in view of the current situation of personal loan business development in commercial banks in China, and the proportion of increasing loan business share, in today's rapid development of personal loan business, Its current risk management system is completely out of line with the requirements of risk management. The urgent task is to improve and improve the current risk management system. For the Liaoyuan Branch of Jilin Bank, it is the same. Personal loan business is also a new business to it. The current risk management model is also not available for use in risk control. A relatively independent control system has yet to be formed, and risk control is only part of the overall risk management of its banks. In this paper, taking Liaoyuan Branch of Jilin Bank as an example, starting with the risk form and characteristics of personal loan, the hidden dangers are studied, and the related theoretical knowledge is introduced, such as the concept of risk prevention of personal loan business, and so on. And take it as the basis of the research. Secondly, it analyzes the current situation of commercial bank business risk management, and makes a comprehensive analysis of the current situation of personal loan business risk management, in order to find out the risk factors. The following research Jilin Bank Liaoyuan Branch of personal loan risk prevention laid a solid foundation. Finally, focus on the analysis of Jilin Bank Liaoyuan Branch, according to its current risk situation, according to the current overall situation of commercial banks, explore its risk problems, this paper will be aimed at this, This paper puts forward some countermeasures to solve the current risk problems and preventive measures, which is of practical guiding significance to the future development of personal loan business in Liaoyuan Branch of Jilin Bank.
【学位授予单位】：吉林大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.2

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