中信银行合肥分行个人信贷业务风险控制问题研究

发布时间：2018-04-04 11:52

本文选题：商业银行　切入点：个人信贷业务　出处：《安徽大学》2017年硕士论文

【摘要】：近年来,我国政府相继出台了一系列促进零售信贷业务进一步发展的政策,因此,目前对于各家商业银行而言,正是大力发展个人信贷业务的大好时期,合肥地区的各家商业银行都将个人信贷业务作为业务拓展的"新抓手",在此背景下,近两年中信银行合肥分行的个人信贷业务规模快速增长。商业银行在享受着个人信贷业务带来的巨大零售客群以及交叉营销机遇的同时,在业务发展过程中也面临着各项风险,而这些风险一旦发生,则有可能会对商业银行造成一定的经济或名誉损失。因此,如何对个人信贷业务风险进行有效控制是目前各家商业银行亟待解决的一个共同问题。本文以中信银行合肥分行个人信贷业务为研究对象,首先介绍了中信银行合肥分行在个人信贷业务发展的现状,主要表现为:业务规模增长迅速、零售客户数稳步增长和个人信贷资产不良率逐步下降。通过对中信银行合肥分行与合肥其它股份制银行以及中信银行其它兄弟分行在个人信贷业务上的比较分析,可以看出,中信银行合肥分行的个人信贷业务主要存在以下几方面问题:个人信贷业务结构发展严重不均衡;同城支行业务发展不均衡;个人信贷业务客户综合营销能力不强;个人信贷资产质量控制能力不足。其次,本文就中信银行合肥分行在个人信贷业务发展过程中所面临的风险及其成因进行了分析,目前中信银行合肥分行个人信贷业务主要面临着来自合作方、借款人,以及银行内部管理等方面的风险。现阶段,中信银行合肥分行在个人信贷业务风险控制上还在存在诸多问题,主要有:风险控制流程与业务发展要求不匹配;风险监控措施落实不到位;押品管理机制不健全;三方合作机制不完善;考核机制不完善。最后,本文提出了中信银行合肥分行完善个人信贷业务风险控制的具体措施。第一,通过建立健全标准的贷款业务操作流程和统一的风险审批授权流程,健全个人信贷业务操作流程;第二,通过规范贷前调查业务操作,严格执行贷中审查制度,完善贷后检查制度,来强化不同贷款环节的风险监控;第三,落实押品准入机制,完善押品管理责任制;第四,通过建立健全合作方渠道的准入、管理及退出机制,来完善合作方的动态管理机制;第五,通过建立激励业务创新的运行机制和合理有效的奖惩制度,来完善个人信贷业务内部创新及考核机制。
[Abstract]:In recent years, our government has issued a series of policies to promote the further development of retail credit business.Every commercial bank in Hefei takes personal credit business as its "new grasp" of business development. Under this background, the scale of personal credit business of Hefei branch of CITIC Bank has grown rapidly in the past two years.While enjoying the huge retail customer group and cross-marketing opportunity brought by personal credit business, commercial banks are also faced with various risks in the process of business development, and once these risks occur,May cause certain economic or reputation loss to the commercial bank.Therefore, how to effectively control the risk of personal credit is a common problem to be solved by commercial banks.Taking the personal credit business of Hefei Branch of CITIC Bank as the research object, this paper first introduces the current situation of the development of personal Credit Business in Hefei Branch of CITIC Bank, mainly as follows: the scale of business grows rapidly.The number of retail customers has steadily increased and the rate of personal credit assets has declined.Through the comparative analysis of the personal credit business between Hefei Branch of CITIC Bank and other joint-stock banks in Hefei and other branches of CITIC Bank, we can see thatPersonal credit asset quality control capacity is insufficient.Secondly, this paper analyzes the risks and causes of the development of personal credit business in Hefei Branch of CITIC Bank. At present, the personal credit business of Hefei Branch of CITIC Bank is mainly coming from the partners and borrowers.And bank internal management and other aspects of risk.At the present stage, there are still many problems in the risk control of personal credit business in Hefei Branch of CITIC Bank. The main problems are as follows: the risk control process does not match with the requirements of business development, the risk monitoring measures are not in place, the mechanism of risk management is not perfect;The tripartite cooperation mechanism is not perfect; the appraisal mechanism is not perfect.Finally, this paper puts forward the concrete measures to improve the risk control of personal credit business in Hefei Branch of CITIC Bank.First, by establishing and improving the standard loan business operation process and the unified risk examination and approval authorization process, to improve the personal credit business operation process; second, by standardizing the pre-loan investigation business operations, strictly implementing the loan examination system.To improve the post-loan inspection system to strengthen the risk monitoring of different loan links; third, to implement the mechanism of access to collateral, improve the management responsibility system; fourth, by establishing and improving the mechanism of access, management and withdrawal of partner channels,To improve the dynamic management mechanism of the partner; fifthly, through the establishment of incentive business innovation operation mechanism and reasonable and effective reward and punishment system, to improve the personal credit business internal innovation and assessment mechanism.
【学位授予单位】：安徽大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.4

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