中国建设银行吉林省分行个人贷款业务风险控制研究

发布时间：2017-12-31 18:12

本文关键词：中国建设银行吉林省分行个人贷款业务风险控制研究　出处：《吉林大学》2014年硕士论文　论文类型：学位论文

【摘要】：近年来，伴随着我国经济的快速发展和腾飞，我国居民的收入也在不断的攀升，随之而来的是人们不断变化着的消费观念，因而，促进了银行业贷款业务的发展，特别是个人信贷业务的发展。而银行业个人信贷业务的快速发展，对我国国民经济的发展起到了巨大的支撑和推进的作用。特别是，能够满足居民日常生活需要的住房贷款和汽车贷款等得到了快速的发展，已经成为建行吉林省分行个人贷款的主要业务对象。在银行业个人贷款业务不断发展的同时，个人信贷业务的风险也在逐渐的被大众所认知，但是由于个贷业务相对而言还属于新兴的业务，在管理模式和经营方式上还需要不断的探寻和摸索(徐志鹏，2008)。目前，建设银行吉林省分行已经站在个人贷款业务的风险防控的角度上，对建行吉林省分行的个贷业务进行全面系统的风险管理，但是现有的手段和经验还相对薄弱。因而，建行吉林省分行的个贷业务的风险控制问题一直是被关注的问题也是亟待解决的问题。本文从建设银行吉林省分行的个人贷款业务风险控制角度出发，，首先对建设银行吉林省分行的个人贷款业务风险控制的现状进行了阐述，并且通过文献的查找和阅读找出了建行吉林省分行个人贷款业务风险控制中存在的具体问题，如个人信用管理体系不健全、缺乏完善的配套市场体系、风险控制团队专业化不足以及业务品种不够全面等；然后，针对建行吉林省分行个人贷款业务风险控制中存在的具体问题进行了原因分析，并提出一系列有针对性的解决方案，如：加强个贷业务风险防控培训、加强贷款“三查”、加强对合作项目和合作机构的管理以及加强贷后基础管理等。本文对建设银行吉林省分行的个人贷款业务风险控制问题的研究提供了一系列的对策和建议，使建行吉林省分行个人贷款业务的各项风险管理工作有据可依，也使建行吉林省分行的个人贷款业务风险控制机制更加完善。
[Abstract]:In recent years, with the rapid development of China's economy and development, the income of Chinese residents is constantly rising, followed by people of changing consumer attitudes, thus promote the development of loan business in the banking industry, especially the development of individual credit business. While the rapid development of personal credit in the banking industry that was a huge support and promote the development of our national economy. Especially, to meet the daily needs of the residents of the housing loans and car loans has been rapid development, has become the main business of Jilin branch of China Construction Bank personal loans. In the continuous development of banking personal loan business at the same time, credit risk is also gradually by the public cognition, but because the loan business relatively still belongs to the emerging business, also need not in management mode and operation way The search and exploration (Xu Zhipeng, 2008). At present, the Jilin branch of China Construction Bank has been standing on the risk control of personal loan business perspective, for comprehensive risk management system of Jilin branch of China Construction Bank loan business, but the existing methods and experience are relatively weak. Thus, the problem of risk control of Construction Bank Jilin province a branch of a business has been a concern and problems to be solved.
This article from the personal loan business risk control point of the Construction Bank Jilin branch of the Jilin branch of China Construction Bank personal loan business risk control are described, and through literature search and reading to find out the existing problems of Jilin branch of China Construction Bank personal loan business risk control, such as personal credit management the system is not perfect, the lack of perfect market system, lack of professional risk control team and business is not comprehensive; then, according to the Jilin branch of China Construction Bank personal loan business risk control system in the presence of specific problems are analyzed, and puts forward a series of targeted solutions, such as: strengthen risk control of loan business training, to strengthen the loan "three check", strengthen the cooperation projects and cooperation mechanism to strengthen the credit management and infrastructure management.
Provides a series of countermeasures and suggestions on the personal loan business risk control problem of Jilin branch of China Construction Bank, the risk of personal loan business of Jilin branch of China Construction Bank's management work according to the personal loan business, the risk control mechanism of Jilin Province branch of the more perfect.

【学位授予单位】：吉林大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.4

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