天津银行个人信贷业务风险管理研究

发布时间：2018-01-01 17:38

本文关键词：天津银行个人信贷业务风险管理研究　出处：《西南交通大学》2013年硕士论文　论文类型：学位论文

【摘要】：国际银行业自从上个世纪九十年代以来,在业务结构上取得了重大的突破,主要表现在越来越明显的零售化倾向,个人信贷业务具有资本占用小的特点,很多商业银行都将业务发展的重心转移到个人信贷业务上去。天津银行目前个人信贷业务的部分品种不良率偏高,个人信贷业务在目前的经济形势下具有一定的风险,必须引起重视。所以,在综合分析和总结国内外银行个人信贷业务风险管理的实际经验教训的基础上,本研究认为天津银行必须积极有效地加强个人信贷业务的风险管理,制定恰当的风险管理模式,以促进天津银行个人信贷业务的发展。本文通过对现实状况的分析,认为天津银行个人信贷风险管理存在的问题主要存在如下几个方面：薄弱的风险管理意识；未形成完善的个人信贷业务风险评价与预警机制。此外,银行个人信贷业务信用制度不健全,银行个人信贷业务风险预警系统不健全,个人信贷业务中较难处置不良资产。而原因主要包括传统个人信贷业务在经营管理模式上具有局限性；风险管理技术相对落后；内部控制机制不健全；个人信贷业务客户经理队伍建设有待改善等几个方面。在此基础上,对天津银行个人信贷风险管理提出了相关对策和建议,包括构建个人信贷业务风险评价与预警机制、加强科技支撑力度、优化贷后管理、构建完善的个人信用风险管理体系等。
[Abstract]:The international banking industry since the last century since 90s, achieved a major breakthrough in the business structure, retail tendency mainly becomes increasingly obvious in the personal credit business has the characteristics of small capital, many commercial banks will be transferred to the center of the business development of personal credit business. The Bank of Tianjin at present personal credit business some varieties of non-performing rate is high, the personal credit business has a certain risk in the current economic situation, we must pay attention to. So, based on the actual experience of comprehensive analysis and summary of domestic and foreign bank personal credit business risk management on the risk management of the Bank of Tianjin must actively and effectively strengthen the personal credit business. To develop appropriate risk management mode, to promote the development of the personal credit business of the Bank of Tianjin.
In this paper, through the analysis of the reality that there is Tianjin bank personal credit risk management of the main problems as follows: weak awareness of risk management; not the formation of personal credit business risk assessment and early warning mechanism. In addition, the bank personal credit business credit system is not perfect, the personal credit risk early warning system is not perfect that is difficult to dispose of non-performing assets in personal credit business. The reasons mainly include the traditional personal credit business has limitations in the mode of management; risk management technology is relatively backward; internal control mechanism is not perfect; several aspects need to improve the construction of the customer managers in personal credit business. On this basis, the countermeasures and suggestions of Tianjin the bank personal credit risk management is put forward, including the construction of personal credit risk assessment and early warning mechanism, strengthening science and technology Support strength, optimize post loan management, build a perfect personal credit risk management system and so on.

【学位授予单位】：西南交通大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.479

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