A银行H市分行个人贷款风险状况的调研报告

发布时间：2018-01-13 00:29

本文关键词：A银行H市分行个人贷款风险状况的调研报告　出处：《广西大学》2014年硕士论文　论文类型：学位论文

【摘要】：由于经济发展因素,H市当地居民信用意识不强,信用环境较差,银行内部操作存在不规范因素,这给个人贷款业务的开展带来一定阻力。A银行H市分行个人贷款业务全面,对其个贷款业务风险状况进行调查研究有利于充分了解H市个人贷款的情况。对A银行H市分行个人贷款业务风险状况的调查采用实地调查的方式进行。采用理论与实践相结合,定性分析和定量分析相结合,宏观分析与微观分析相结合以及纵向对比的分析方法。调查的主要内容包括对银行员工进行访谈,收集和整理A银行个人贷款的数据和案例资料。调查发现,农户小额贷款是A银行H市分行风险较高的个人贷款业务,其不良额贡献率超过50%。另外,由于现阶段房价下跌风险增大,住房抵押类个人贷款的贷款信用风险升高。A银行H市分行面临的主要风险类型为信用风险和操作风险。而信用风险主要来源于农户小额贷款的信用风险和住房抵押类贷款的信用风险。农户小额贷款的信用风险成因包括农户收入不稳定,农村社会保障能力差,农村存在较重生活恶习以及骗贷思想较重。操作风险成因主要包括员工责任心不强,风险意识不强以及贷款管理存在漏洞。在前面分析的基础上,提出的风险防控对策建议包含个人贷款实施过程中的改进建议,加强企业文化建设、实行较严格的农户小额贷款政策以及加强员工业务水平培训等。
[Abstract]:Because of the economic development factor, the local residents' credit consciousness is not strong, the credit environment is poor, and there are non-standard factors in the bank's internal operation. This brings some resistance to the development of personal loan business. The personal loan business of H City Branch of Bank A is comprehensive. The investigation and research on the risk of individual loan business is beneficial to fully understand the situation of personal loan in H City. The investigation on the risk of personal loan business in the H branch of Bank A is carried out by the way of field investigation, combining theory with practice, qualitative analysis and quantitative analysis. The main contents of the investigation include interviews with bank employees, collection and collation of personal loan data and case data of Bank A. The survey found that the small loans of farmers is a risky personal loan business in the H branch of Bank A, and its contribution rate is more than 50%. In addition, because of the increased risk of house price decline at the present stage. The main types of credit risk faced by Bank H of Bank A are credit risk and operational risk, and credit risk mainly comes from the credit risk and housing risk of farmers' small loans. Credit risk of Mortgage loan. The causes of credit risk of farmers' small loans include the instability of farmers' income. The social security ability in rural areas is poor, there are serious bad habits in life and loan fraud in rural areas. The main causes of operational risk include the lack of responsibility of employees, the weak awareness of risk and the loopholes in loan management. On the basis of the previous analysis, the risk prevention and control countermeasures and suggestions include the improvement suggestions in the implementation of personal loans, and strengthen the construction of corporate culture. Implement more strict policy of peasant household small loan and strengthen staff business level training and so on.
【学位授予单位】：广西大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.479

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