广发银行个人消费信贷业务风险管理研究

发布时间：2018-07-29 14:16

【摘要】：中国经济的持续发展取得了举世瞩目的成就,人均可支配收入随之不断增加,良好的经济走向使消费市场不断升温,市场对消费信用工具的需求也愈来愈强烈,消费者信贷业务的发展迎来良好机遇。然而,个人消费信贷业务的快速发展也对个人消费信贷风险管理提出了更高的要求。本文以中国股份制商业银行—广发银行为研究对象,通过将理论与广发银行实际背景相结合,拟在此基础上对广发银行在个人消费信贷业务中的风险管理进行研究。本文将理论探讨与数据分析相结合,以“风险识别—风险评价—风险控制”为主线开展研究,本文首先从个人信贷业务、信贷风险的概念出发,对广发银行个人消费信贷风险的成因进行了分析,推断出引起信贷风险产生的主要原因是借款人的信用风险;在此分析基础上本文第三章将针对广发银行个人消费信贷业务风险的识别进行研究,归纳出广发银行识别信用风险的一般方法以及识别的具体分析点;第四章则是对广发银行个人信贷信用风险的评价进行研究,建立广发银行个人信贷信用风险的评价体系;最后基于以上分析为全面建立广发银行信贷风险管理体系提出相应对策和建议,从三个方面进行个人信贷风险控制办法。第一,在贷款方式与对象的控制方面,在对借款人进行信用初步评价的基础上,对借款人的类别进行划分,确定贷款方式。第二,健全内部机制,设立信贷风险审查岗位,建立统一的信贷风险管理文化和理念,合理运用先进的信贷风险管理工具,建立信用风险预警系统。第三,改善外部环境,建立全社会范围的个人信用制度、个人资信网络系统等。本文得出的相关结论和建议,不仅可为广发银行决策层提供参考,提高广发银行个人消费信贷业务风险管理水平,同时也可为我国其他商业银行完善个人消费信贷业务风险管理制度提供借鉴作用。
[Abstract]:The sustained development of China's economy has made remarkable achievements, and the per capita disposable income has increased continuously. The good economic trend has made the consumer market warm up and the market demand for consumer credit tools has become more and more intense. The development of consumer credit business ushered in good opportunities. However, the rapid development of personal consumption credit business also puts forward higher requirements for personal consumption credit risk management. This paper takes the joint-stock commercial bank of China-Guangfa Bank as the research object, by combining the theory with the practical background of Guangfa Bank, this paper intends to study the risk management of Guangfa Bank in the personal consumption credit business on this basis. This paper combines the theoretical discussion with the data analysis, taking "risk identification, risk evaluation and risk control" as the main line of study. Firstly, this paper starts from the concept of personal credit business and credit risk. Based on the analysis of the causes of individual consumption credit risk of Guangfa Bank, it is inferred that the main cause of credit risk is the credit risk of the borrower. On the basis of this analysis, the third chapter will focus on the identification of the risk of individual consumer credit business of Guangfa Bank, and conclude the general methods of identifying credit risk and the specific analysis points of the identification of the credit risk. The fourth chapter is to study the evaluation of the credit risk of individual credit of Guangda Bank, and establish the evaluation system of the credit risk of personal credit of the Bank. Finally, based on the above analysis, the author puts forward the corresponding countermeasures and suggestions for establishing the credit risk management system of Guangfa Bank, and carries on the personal credit risk control method from three aspects. First, on the control of loan mode and object, on the basis of the initial credit evaluation of the borrower, the classification of the borrower is divided and the loan mode is determined. Second, perfect the internal mechanism, establish the credit risk examination post, establish the unified credit risk management culture and idea, use the advanced credit risk management tool reasonably, establish the credit risk early warning system. Third, improve the external environment, establish the whole social range of personal credit system, personal credit network system. The conclusions and suggestions of this paper can not only provide a reference for the decision makers of the Bank, but also improve the risk management level of the Bank's personal consumer credit business. At the same time, it can provide reference for other commercial banks to perfect the risk management system of personal consumption credit business.
【学位授予单位】：深圳大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.479

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