X银行长春分行个人信贷风险管理研究
发布时间：2018-12-11 01:31
【摘要】：自二十世纪九十年代末以来,伴随着我国城镇居民消费和投资经营的积极性的大幅提升,我国商业银行个人信贷业务也呈现出迅猛发展的势头,成为了信贷业务的核心组成部分。然而,个人信贷业务作为一种新兴业务尚未形成独立的体系,其风险管理仍仅作为商业银行整体风险管理的一个小的组成部分,没有得到充分重视,也没有建立起全面有效的风险管理模式。随着个人信贷规模的不断扩大,风险也日益暴露,近几年更形成地区性和行业性的集中爆发。特别是在当前全球经济仍处于深度调整和再平衡的阶段,我国经济处于结构调整和转型升级的关键时期,金融体系不稳定因素增加,GDP增速放缓和个人人均收入同比增速放慢的形势下,个人信贷业务的预期风险只会进一步增大,对银行个人信贷结构和资产资量将形成持续性的严峻考验,也对商业银行个人信贷风险管理工作形成了挑战。本文从X银行长春分行个人信贷业务的整体现状和不良贷款分布入手分析,识别出X银行长春分行个人信贷业务中的风险,并深入分析其成因,针对性地提出X银行长春分行个人信贷风险管理的对策。按照上述思路,本文共分为五个部分进行阐述。第一部分是绪论,介绍了本文的研究背景、研究意义、研究思路和研究方法,并对国内外相关研究文献进行了梳理。第二部分是个人信贷风险管理的相关理论。其中简要阐述了风险的定义、特征和发生过程,个人信贷风险的概念、分类和特点,以及风险识别等。第三部分着重对X银行长春分行个人信贷业务的整体现状和不良贷款分布进行了分析。第四部分通过上述分析对其个人信贷业务进行了全面风险识别并从银行外部、银行内部和借款人三方面深入分析X银行长春分行个人信贷业务风险成因。第五部分是提出X银行长春分行个人信贷风险管理的对策。希望通过本文能够更全面深入的认知和解决X银行长春分行个人信贷业务中存在的问题,有效控制和降低个人信贷业务风险。也希望其中的共性问题能对银行业整体个人信贷风险管理研究有所助益,对银行业的健康有序发展起到积极的推动作用。
[Abstract]:Since the late 1990s, along with the enthusiasm of urban residents' consumption and investment, the personal credit business of commercial banks in China has also shown a rapid development momentum. Has become the core part of the credit business. However, as an emerging business, personal credit business has not yet formed an independent system, its risk management is still only a small part of the overall risk management of commercial banks, and has not received sufficient attention. Nor has a comprehensive and effective risk management model been established. With the expansion of personal credit scale, the risks are exposed day by day. In recent years, regional and industrial concentration erupts. In particular, at present, the global economy is still in the stage of deep adjustment and rebalancing, and our economy is in a critical period of structural adjustment and transformation and upgrading, and the factors of instability in the financial system have increased. With the slowdown of GDP growth rate and the slowdown of personal per capita income growth rate, the expected risks of personal credit business will only be further increased, which will form a severe test of the continuity of the individual credit structure and the amount of assets and capital of banks. It also challenges the personal credit risk management of commercial banks. Based on the analysis of the whole situation of the personal credit business of Changchun Branch of X Bank and the distribution of non-performing loans, this paper identifies the risks in the personal credit business of Changchun Branch of X Bank, and deeply analyzes the causes of their formation. This paper puts forward the countermeasures of personal credit risk management in Changchun Branch of X Bank. According to the above ideas, this paper is divided into five parts to elaborate. The first part is the introduction, which introduces the research background, research significance, research ideas and research methods, and combs the relevant research literature at home and abroad. The second part is the theory of personal credit risk management. The definition, characteristics and occurrence process of risk, the concept, classification and characteristics of personal credit risk, and risk identification are briefly described. The third part focuses on the analysis of the overall situation and distribution of non-performing loans in Changchun Branch of X Bank. The fourth part analyzes the causes of personal credit risk in Changchun branch of X Bank from three aspects: external bank, internal bank and borrower. The fifth part is to put forward X Bank Changchun Branch personal credit risk management countermeasures. It is hoped that this paper will be able to fully understand and solve the problems existing in the personal credit business of Changchun Branch of X Bank, and effectively control and reduce the risk of personal credit business. It is also hoped that the common problems can be helpful to the study of individual credit risk management in the banking industry and play a positive role in promoting the healthy and orderly development of the banking industry.
【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】：F832.33
本文编号：2371605
[Abstract]:Since the late 1990s, along with the enthusiasm of urban residents' consumption and investment, the personal credit business of commercial banks in China has also shown a rapid development momentum. Has become the core part of the credit business. However, as an emerging business, personal credit business has not yet formed an independent system, its risk management is still only a small part of the overall risk management of commercial banks, and has not received sufficient attention. Nor has a comprehensive and effective risk management model been established. With the expansion of personal credit scale, the risks are exposed day by day. In recent years, regional and industrial concentration erupts. In particular, at present, the global economy is still in the stage of deep adjustment and rebalancing, and our economy is in a critical period of structural adjustment and transformation and upgrading, and the factors of instability in the financial system have increased. With the slowdown of GDP growth rate and the slowdown of personal per capita income growth rate, the expected risks of personal credit business will only be further increased, which will form a severe test of the continuity of the individual credit structure and the amount of assets and capital of banks. It also challenges the personal credit risk management of commercial banks. Based on the analysis of the whole situation of the personal credit business of Changchun Branch of X Bank and the distribution of non-performing loans, this paper identifies the risks in the personal credit business of Changchun Branch of X Bank, and deeply analyzes the causes of their formation. This paper puts forward the countermeasures of personal credit risk management in Changchun Branch of X Bank. According to the above ideas, this paper is divided into five parts to elaborate. The first part is the introduction, which introduces the research background, research significance, research ideas and research methods, and combs the relevant research literature at home and abroad. The second part is the theory of personal credit risk management. The definition, characteristics and occurrence process of risk, the concept, classification and characteristics of personal credit risk, and risk identification are briefly described. The third part focuses on the analysis of the overall situation and distribution of non-performing loans in Changchun Branch of X Bank. The fourth part analyzes the causes of personal credit risk in Changchun branch of X Bank from three aspects: external bank, internal bank and borrower. The fifth part is to put forward X Bank Changchun Branch personal credit risk management countermeasures. It is hoped that this paper will be able to fully understand and solve the problems existing in the personal credit business of Changchun Branch of X Bank, and effectively control and reduce the risk of personal credit business. It is also hoped that the common problems can be helpful to the study of individual credit risk management in the banking industry and play a positive role in promoting the healthy and orderly development of the banking industry.
【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】：F832.33
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