吉林银行个人信贷管理研究

发布时间：2018-06-04 02:42

本文选题：个人信贷 + 风险管理　；参考：《哈尔滨工业大学》2014年硕士论文

【摘要】：目前，各国银行业务结构已开始出现了由公司化向零售化转变的发展趋势。近几年，我国多数商业银行也相继对信贷业务结构进行调整，并制定了一系列零售战略发展规划。事实上，国外银行在发展个人信贷业务时遇到了一定的风险，如美国次贷危机。因此，对个人信贷管理及风险防控展开深入的研究极具价值。本文联系作者工作单位实际，在对个人信贷管理相关概念、理论分析的基础上，深入分析吉林银行个人信贷业务及管理现状，，在其基础上，参阅大量文献资料揭示吉林银行个人信贷业务管理存在的主要问题并提出加强吉林银行个人信贷业务管理的对策建议。本文首先，阐释银行个人信贷业务的主要特征和风险，对个人信贷业务的定义、特点、存在风险和相关理论知识进行了概述；其次，概述吉林银行整体发展情况并对吉林银行近三年个人信贷业务情况进行详细分析，其中从产品服务对象、主要业务品种及特点、业务开展特点等角度进行全方位剖析；最后，通过吉林银行个人信贷业务管理现状分析指出当前吉林银行个人信贷业务管理中存在的主要问题，并在前面理论支撑的基础上，针对存在的问题从管理制度、风险控制、管理流程、品牌建设、队伍建设、贷后管理等方面给出了相应的完善对策建议，以期对吉林银行个人信贷业务管理工作有参考指导性作用，促进吉林银行个人信贷业务更快、更好的发展。促使吉林银行风险管理能力大幅提高，以应对市场环境变化，提高市场竞争力。对各方面资源进行优化与整合，实现可持续发展。同时，有助于实现战略转型，尽快达到战略目标。本文采用文献分析法和案例分析法相结合的方法对吉林银行个人信贷业务管理问题进行深入研究。在学习先进的管理理念和管理架构的过程中，结合吉林银行实际，从把握风险实质的角度进行吸收利用。重点处理好业务发展与风险控制的关系，既不因为强调发展而忽视了风险防范，也不因为过于强调风险而阻碍了业务的发展，不因为市场竞争的压力而放松风险与合规的基本要求。
[Abstract]:At present, the banking business structure of various countries has begun to change from corporatization to retail. In recent years, most commercial banks in our country have also adjusted the credit business structure one after another, and formulated a series of retail strategic development plans. In fact, foreign banks have encountered certain risks in developing personal credit business, such as the subprime mortgage crisis in the United States. Therefore, the personal credit management and risk prevention and control to carry out in-depth research is of great value. On the basis of the relevant concepts and theoretical analysis of personal credit management, this paper analyzes the present situation of Jilin Bank's personal credit business and management, on the basis of the actual situation of the author's work unit. Referring to a large number of documents to reveal the main problems existing in the management of personal credit business of Jilin Bank, and put forward countermeasures and suggestions to strengthen the management of personal credit business of Jilin Bank. First of all, this paper explains the main characteristics and risks of personal credit business of banks, summarizes the definition, characteristics, existing risks and relevant theoretical knowledge of personal credit business. This paper summarizes the overall development of Jilin Bank and makes a detailed analysis of the situation of Jilin Bank's personal credit business in the past three years, in which the overall analysis is carried out from the aspects of product and service object, main business types and characteristics, business development characteristics and so on. Finally, Through the analysis of the present situation of Jilin Bank's personal credit business management, this paper points out the main problems existing in Jilin Bank's personal credit business management, and on the basis of the previous theoretical support, aiming at the existing problems, from the management system, risk control, The management process, brand construction, team building, loan management and so on are put forward in order to provide reference and guidance for Jilin Bank personal credit business management, and promote Jilin Bank personal credit business to be faster. Better development. In order to cope with the change of market environment and improve market competitiveness, Jilin Bank's risk management ability has been greatly improved. Optimize and integrate all aspects of resources to achieve sustainable development. At the same time, contribute to the realization of strategic transformation, as soon as possible to achieve strategic objectives. In this paper, the author uses the method of literature analysis and case analysis to deeply study the management of Jilin Bank's personal credit business. In the process of learning advanced management concept and management framework, combining with the actual situation of Jilin Bank, we can absorb and utilize it from the angle of grasping the essence of risk. We should focus on the relationship between business development and risk control. We do not neglect risk prevention because we emphasize development, nor do we hinder business development by placing too much emphasis on risk. Do not relax the basic requirements of risk and compliance because of the pressure of market competition.
【学位授予单位】：哈尔滨工业大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.4

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