Z银行个人消费贷款业务风险管理研究

发布时间：2018-11-02 06:58

【摘要】：随着近几十年来我国经济的高速发展,人们的消费水平大幅提高,消费习惯也逐步转变,从之前一味储蓄到现今借贷消费,这些显著的变化有效的促进了我国个人贷款业务的大规模发展,个人消费贷款逐渐成为了商业银行贷款投放的重要方向。个贷业务的快速发展对我国经济有着重要的意义,既起到拉动内需,促进宏观经济发展的作用,又可以满足消费者日常消费需求,提升人们生活水平。可见个贷业务的健康发展关系到国家经济、民生等各个方面。但是,相比很多发达国家,我国个人贷款业务起步晚,经验少,相关制度也不够完善,商业银行大多数是在摸索中前进。然而随着人们对借贷消费的观念接受度越来越高,近几年我国个人贷款业务正以惊人的速度大规模扩张。这种矛盾的存在必然会导致个贷业务蕴藏着极大的风险,但是对风险的重视程度和管理程度无法和业务的发展速度相匹配,一旦风险爆发,商业银行会蒙受巨大的经济损失。因此,在日渐激烈的市场竞争中,商业银行如何提高风险把控能力,提出切实可行的经营策略,实现个人贷款业务的健康稳定发展,是当前迫切需要探索的课题。本文着力研究个人贷款风险管理问题,通过借鉴国外先进的风险管理经验,从我国实际情况出发,对风险管理的相关问题进行了探究。从引进个人贷款业务及风险管理的相关概念入手,按照风险识别、风险评估、风险防控的思路逐步展开。首先分析识别了客观存在的系统风险和非系统风险,然后运用评分卡评分的形式对风险进行评估,最后对风险的把控提出了建议。文中所用的研究方法主要包括学习借鉴、因素分析、实例应用等,并把理论和实践相互结合,提出了切实的风险管控对策,对现实应用具有一定指导意义。
[Abstract]:With the rapid development of our country's economy in recent decades, people's consumption level has been greatly improved, and their consumption habits have gradually changed, from saving blindly to borrowing and consuming today. These remarkable changes have effectively promoted the large-scale development of personal loan business in China, and personal consumption loan has gradually become an important direction of commercial bank loans. The rapid development of individual loan business is of great significance to the economy of our country. It not only plays a role in stimulating domestic demand and promoting macroeconomic development, but also meets the daily consumer demand of consumers and improves people's living standard. It can be seen that the healthy development of a loan business related to the national economy, people's livelihood and other aspects. However, compared with many developed countries, China's personal loan business started late, less experience, the relevant system is not perfect, commercial banks are mostly in the groping forward. However, with the increasing acceptance of the concept of borrowing and consumption, the personal loan business in China is expanding at an astonishing speed in recent years. The existence of this contradiction will inevitably lead to great risks in the individual loan business, but the degree of attention to risk and the degree of management can not match the speed of business development. Once the risk erupts, commercial banks will suffer huge economic losses. Therefore, in the increasingly fierce market competition, how to improve the risk control ability of commercial banks, put forward practical management strategies to achieve the healthy and stable development of personal loan business, is an urgent need to explore. This paper focuses on the study of personal loan risk management, through the use of foreign advanced risk management experience, from the actual situation in China, the risk management of the relevant issues were explored. From the introduction of personal loan business and risk management related concepts, according to risk identification, risk assessment, risk prevention and control ideas are gradually launched. Firstly, the objective system risk and non-system risk are analyzed and identified, then the risk is evaluated by using the form of scoring card. Finally, some suggestions on how to control the risk are put forward. The research methods used in this paper mainly include learning reference, factor analysis, case application and so on. Combining theory with practice, the paper puts forward practical countermeasures of risk management and control, which has certain guiding significance for practical application.
【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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