中信银行蚌埠分行个人贷款业务调研报告

发布时间：2018-05-09 20:07

本文选题：个人贷款 + 中信银行　；参考：《安徽财经大学》2017年硕士论文

【摘要】：个人贷款业务是银行零售业务的重要组成部分,是与人们生活息息相关的银行贷款业务。随着我国经济的不断发展,人们的消费观念的转变,商业银行的个人贷款业务量不断加大,人们对于贷款消费的需求不断增加。同时由个人贷款业务发展暴露出的一些问题也成为银行关注的重点,信用风险的增加和较小的个人贷款业务规模都制约着我国个人贷款业务的发展。目前我国的个人贷款业务尚在起步阶段,与发达国家成熟的个人贷款体系还有一定的差距。因此,针对特定地区的商业银行个人贷款业务的调研对我国商业银行个人贷款业务发展有一定的现实参考意义。本文以中信银行蚌埠分行为调研对象。首先,分析了中信银行蚌埠分行个人贷款业务的供给情况,用实地调研法了解了中信银行蚌埠分行个人贷款业务的种类和近几年的规模,再从需求方面了解参与个人贷款业务客户的基本情况和对中信银行蚌埠分行个人贷款业务的反馈。其次,结合问卷调研法从风险管理、业务规模和战略布局三方面分析了目前中信银行蚌埠分行个人贷款业务存在的一系列问题,风险管理方面包括风险评估体系的问题、内部分散风险能力的问题和信息不对称的问题;业务结构方面包括个人贷款业务规模较小的问题;战略布局方面包括市场定位和互联网贷款影响的问题。最后,根据存在的问题结合中信银行蚌埠分行个人贷款业务实际情况给出其发展个人贷款业务的相关对策建议。如:加强风险管理、加大个人贷款业务规模和战略布局相关的策略等。
[Abstract]:Personal loan business is an important part of bank retail business, and it is closely related to people's daily life. With the development of Chinese economy and the change of people's consumption concept, the personal loan business of commercial banks is increasing, and the demand for loan consumption is increasing. At the same time, some problems exposed by the development of personal loan business have also become the focus of attention of banks. The increase of credit risk and the small scale of personal loan business restrict the development of personal loan business in China. At present, China's personal loan business is still in its infancy, and there is still a certain gap with the mature personal loan system in developed countries. Therefore, the investigation on the personal loan business of commercial banks in specific areas is of practical significance to the development of personal loan business of commercial banks in China. This paper takes Bengbu Branch of CITIC Bank as the research object. First of all, it analyzes the supply of personal loan business in Bengbu Branch of CITIC Bank, and finds out the types of personal loan business of Bengbu Branch of CITIC Bank and the scale of personal loan business in recent years. Then from the demand side to understand the basic situation of participating in personal loan business customers and CITIC Bank Bengbu Branch personal loan business feedback. Secondly, the paper analyzes a series of problems existing in the personal loan business of Bengbu Branch of CITIC Bank from three aspects of risk management, business scale and strategic layout, including the problems of risk assessment system in the aspect of risk management. The problem of internal risk diversification and asymmetric information; the business structure including the small scale of personal loan business; the strategic layout including market positioning and the impact of Internet loans. Finally, according to the existing problems and the actual situation of personal loan business of Bengbu Branch of CITIC Bank, the paper gives the relevant countermeasures and suggestions for the development of personal loan business. For example: strengthen risk management, increase personal loan business scale and strategic layout related strategies.
【学位授予单位】：安徽财经大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.479

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