兴业银行青岛分行个人住房信贷风险因素实证研究

发布时间：2018-04-02 03:01

本文选题：商业银行　切入点：个人信贷风险　出处：《中国海洋大学》2014年硕士论文

【摘要】：近几年,随着我国经济的快速发展,居民的消费水平不断提高,消费观念也有所改变。这使得我国商业银行个人信贷业务得到了快速的发展。商业银行个人信贷业务种类逐渐丰富,由最初的只有住房类贷款,延伸到汽车、医疗、旅游、留学等各个领域。个人信贷额也有较大的提高。金融危机的爆发引发了人们对个人信贷风险的关注,国内外研究信贷风险的学者和成果逐年增多。2014年以来,全国不良贷款出现扩散的迹象,八个已经公布上半年不良贷款数据的省份的不良贷款全部上升。数据显示,山东已经超越浙江成为全国不良贷款增速最快的地区。并且,个人信贷业务作为银行贷款的重要组成部分,对商业银行的发展具有重要意义。因此,本文对商业银行个人信贷风险进行了研究。本文采用理论与实践相结合的方法,首先对商业银行面临的信贷风险从理论上进行详细的阐述,对当前商业银行所面临的信贷风险进行识别、衡量和评估。实证方面,本文以兴业银行青岛分行的个人住房按揭贷款的数据为例进行分析。利用SPSS软件对样本进行了描述性分析,由此得出一些结论。本文搜集了大量的样本数据进行计算分析,大大增强了论文的可信度和严谨度,提高了论文的说服力。我国目前对于个人信贷业务风险管理的研究已经取得了一定的成果,但是,通过分析比较发现,我国的相关理论与国外已经发展成熟的各类理论相比仍然存在很多不足。本文的创新之处在于本文搜集了兴业银行青岛分行的大量数据并利用SPSS软件对其进行实证分析,具有较强的理论价值和应用价值,为我国商业银行信贷风险管理理论提供了一个较好的实证案例。同时,本论文对我国商业银行信贷风险管理的现状进行了分析,比较全面的提出了完善我国商业银行信贷风险管理的建议。本文共分为五大部分：第一部分是绪论,介绍了选题的背景和意义,国内外个人信贷风险研究的现状、目前研究的不足及本论文的研究重点。第二部分是个人信贷管理理论综述。对信贷风险管理的相关理论进行了介绍,为接下来的信贷风险管理研究提供了理论依据。同时,介绍了个人信贷风险的特点及成因。第三部分是兴业银行青岛分行个人信贷业务管理研究。首先对兴业银行及青岛市进行了分析,然后对兴业银行青岛分行个人信贷业务进行了介绍。第四部分是数据分析及评价,用软件来对兴业银行青岛分行的大量数据进行分析。最后一部分是商业银行个人信贷风险管理总结部分。对我国商业银行个人信贷风险管理及控制提出了对策和建议。
[Abstract]:In recent years, with the rapid development of China's economy, the consumption level of residents has been improved, consumption concept has also changed.This makes our country commercial bank individual credit business to obtain the fast development.The personal credit business of commercial banks is gradually rich, from the initial only housing loans, extending to automobile, medical, tourism, study abroad and other fields.The amount of personal credit has also increased considerably.The outbreak of the financial crisis has aroused people's concern about personal credit risk. Scholars and achievements in the study of credit risk at home and abroad have increased year by year. Since 2014, there have been signs of proliferation of non-performing loans throughout the country.Non-performing loans rose in all eight provinces that have released first-half non-performing loan data.Data show that Shandong has overtaken Zhejiang as the fastest growing region for non-performing loans in China.Moreover, as an important part of bank loans, personal credit is of great significance to the development of commercial banks.Therefore, this article carries on the research to the commercial bank personal credit risk.This paper adopts the method of combining theory and practice, first of all, the credit risk faced by commercial banks is described in detail in theory, and the credit risks faced by commercial banks are identified, measured and evaluated.Empirically, this paper takes the data of individual housing mortgage loan of Industrial Bank Qingdao Branch as an example.The SPSS software is used to describe the sample, and some conclusions are drawn.In this paper, a large number of sample data are collected for calculation and analysis, which greatly enhance the reliability and rigor of the paper, and enhance the persuasive power of the paper.At present, some achievements have been made in the research of personal credit business risk management in our country. However, through the analysis and comparison, it is found that there are still many deficiencies in the relevant theories of our country compared with all kinds of theories that have been developed and mature in foreign countries.The innovation of this paper is that this paper collects a large number of data of Industrial Bank Qingdao Branch and makes an empirical analysis of it by using SPSS software, which has strong theoretical value and application value.It provides a good example for the theory of credit risk management of commercial banks in China.At the same time, this paper analyzes the current situation of credit risk management of commercial banks in China, and puts forward some suggestions to improve the credit risk management of commercial banks in China.This paper is divided into five parts: the first part is the introduction, introduced the background and significance of the topic, the domestic and foreign personal credit risk research status, the current research deficiencies and the focus of this paper.The second part is the summary of personal credit management theory.The related theories of credit risk management are introduced, which provides the theoretical basis for the next research on credit risk management.At the same time, it introduces the characteristics and causes of personal credit risk.The third part is the research of personal credit business management of Industrial Bank Qingdao Branch.Firstly, the author analyzes the bank and Qingdao, then introduces the personal credit business of the Qingdao branch of Societe Generale Bank.The fourth part is the data analysis and evaluation, using software to analyze a large number of data of Industrial Bank Qingdao Branch.The last part is the summary of personal credit risk management of commercial banks.This paper puts forward some countermeasures and suggestions for personal credit risk management and control of commercial banks in China.
【学位授予单位】：中国海洋大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.479;F299.23

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