对工行河南省分行个人住房贷款审批的研究
发布时间：2018-10-23 15:59
【摘要】：个人住房贷款这项在西方早已成熟的业务在中国开始的比较晚，上个世纪八十年代才开始出现，由于中国经济最近三十年的快速腾飞，人们越来越多的接受了能提升生活水平的个人贷款来提前消费的美式消费理念。面对潜力巨大的国内市场，我国银行业对各项关于个人业务的发展的重视程度越来越高，鉴于此，个人贷款这项业务逐渐成为了我国大部分银行的业务发展重点方向和利润新的重要增长点。个人贷款业务的地位较之以前已经有很大提升，，不难发现，许多银行已经在个人贷款业务的流程优化以及效率提升方面有所建树，但我国的个人贷款从开始算起也就短短几十年光景，还没有形成合理、高效的作业程序，个人贷款流程中存在的不合理之处日益成为了制约个贷发展的绊脚石。工商银行河南省分行在2012年对信贷审批用印管理系统进行了升级，由原来的手工盖章方式转变为用印机用印。在系统升级之后，个人住房贷款业务审批的一些弊端逐渐暴露出来了。如何在新系统模式下，如何提高审批质量和审批速度，以及如何对新系统出现的有关问题进行改造成为日渐突出的问题。 从目前国内商业银行个人住房贷款审批的实际操作状况来看，此项业务还存在许多不足之处，尤以贷款审批不严，办理周期过长且效率低下而给客户带来不满为主。本文的主要内容分为以下几个部分： 第二章阐述工商银行个人住房贷款概况。主要说明个人住房贷款的发展、个人住房贷款的办理流程、个人住房贷款的审批模式、个人住房贷款审批图，对个人住房贷款审批中涉及的相关人员进行详细的说明，以及个人住房贷款中存在的风险。 第三章通过上章节的个人住房贷款违规审批案例及现实中遇到的实际问题，从个人住房贷款审批机制的实际操作流程出发，指出审批中存在的问题，主要有审批中折射出操作的操作风险、审批人员不足形成孤岛、审批缺乏市场化致使审批效率不高、缺乏监管机制等。具体对操作风险的形成进行分析。 第四章介绍国外商业银行信贷审批机制，着重介绍美国银行、欧洲银行和加拿大银行的信贷审批制度，进而对国外的审批制度进行对比分析，总结国外审批制度的经验，从而控制国内审批制度，提供审批质量。 第五章就如何改进操作以提高审批处理能力、提高个人住房贷款的审批效率、提高客户满意度，提出完善个人住房贷款审批的对策及建议：加强内控审核制度、增强风险防范意识；加强审批人员业务技能培训、提高风险识别能力；合理配置信贷岗位审批人员；优化审批流程、提高审批效率；建立电子信用评级审批系统。
[Abstract]:Personal housing loans, a well-established business in the West, began relatively late in China, and only began to emerge in the 1980s, due to the rapid economic growth of China in the past three decades. More and more people accept the American-style consumption idea that personal loans can improve living standards to advance consumption. In the face of the enormous potential of the domestic market, China's banking industry is paying more and more attention to the development of individual business. In view of this, Personal loan has gradually become the key business development direction and a new important growth point of profit of most banks in China. The status of personal loan business has been greatly improved, and it is not difficult to find that many banks have made progress in improving the process and efficiency of personal loan business. But the personal loan in our country has been only a few decades from the beginning, and has not formed a reasonable and efficient operation procedure. The unreasonable place in the personal loan process has increasingly become a stumbling block to restrict the development of individual loan. In 2012, the Henan branch of ICBC upgraded the credit approval management system from manual seal to printing machine. After the system upgrade, the personal housing loan business approval of some drawbacks gradually exposed. How to improve the quality and speed of examination and approval under the new system mode and how to transform the related problems in the new system become increasingly prominent problems. Judging from the actual operation of personal housing loan examination and approval in domestic commercial banks, there are still many shortcomings in this business, especially the lack of strict loan approval, long processing cycle and low efficiency, which bring dissatisfaction to customers. The main content of this paper is divided into the following parts: the second chapter describes the overview of ICBC personal housing loans. It mainly describes the development of personal housing loans, the processing process of personal housing loans, the approval mode of individual housing loans, the approval charts of individual housing loans, and the detailed description of the relevant personnel involved in the examination and approval of individual housing loans. And the risks in personal housing loans. The third chapter points out the problems existing in the examination and approval from the practical operation flow of the personal housing loan approval mechanism through the case of the personal housing loan illegal examination and approval and the practical problems encountered in reality. There are mainly operational risks reflected in the examination and approval, lack of examination and approval personnel forming isolated islands, lack of marketization of approval resulting in low efficiency of examination and approval, lack of supervision mechanism and so on. The formation of operational risk is analyzed. Chapter four introduces the credit approval mechanism of foreign commercial banks, focusing on the credit examination and approval systems of American banks, European banks and Canadian banks, and then compares and analyzes the examination and approval systems abroad, and sums up the experience of foreign examination and approval systems. Thus controls the domestic examination and approval system, provides the examination and approval quality. The fifth chapter is about how to improve the operation to improve the ability of examination and approval, improve the efficiency of personal housing loan examination and approval, improve the customer satisfaction, and put forward the countermeasures and suggestions to perfect the personal housing loan examination and approval: strengthen the internal control audit system. Strengthen the awareness of risk prevention; strengthen the professional skills training of examiners to improve the ability to identify risks; rationally allocate credit post examiners; optimize the approval process to improve the efficiency of approval; establish an electronic credit rating examination and approval system.
【学位授予单位】：河南大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.479
本文编号：2289720
[Abstract]:Personal housing loans, a well-established business in the West, began relatively late in China, and only began to emerge in the 1980s, due to the rapid economic growth of China in the past three decades. More and more people accept the American-style consumption idea that personal loans can improve living standards to advance consumption. In the face of the enormous potential of the domestic market, China's banking industry is paying more and more attention to the development of individual business. In view of this, Personal loan has gradually become the key business development direction and a new important growth point of profit of most banks in China. The status of personal loan business has been greatly improved, and it is not difficult to find that many banks have made progress in improving the process and efficiency of personal loan business. But the personal loan in our country has been only a few decades from the beginning, and has not formed a reasonable and efficient operation procedure. The unreasonable place in the personal loan process has increasingly become a stumbling block to restrict the development of individual loan. In 2012, the Henan branch of ICBC upgraded the credit approval management system from manual seal to printing machine. After the system upgrade, the personal housing loan business approval of some drawbacks gradually exposed. How to improve the quality and speed of examination and approval under the new system mode and how to transform the related problems in the new system become increasingly prominent problems. Judging from the actual operation of personal housing loan examination and approval in domestic commercial banks, there are still many shortcomings in this business, especially the lack of strict loan approval, long processing cycle and low efficiency, which bring dissatisfaction to customers. The main content of this paper is divided into the following parts: the second chapter describes the overview of ICBC personal housing loans. It mainly describes the development of personal housing loans, the processing process of personal housing loans, the approval mode of individual housing loans, the approval charts of individual housing loans, and the detailed description of the relevant personnel involved in the examination and approval of individual housing loans. And the risks in personal housing loans. The third chapter points out the problems existing in the examination and approval from the practical operation flow of the personal housing loan approval mechanism through the case of the personal housing loan illegal examination and approval and the practical problems encountered in reality. There are mainly operational risks reflected in the examination and approval, lack of examination and approval personnel forming isolated islands, lack of marketization of approval resulting in low efficiency of examination and approval, lack of supervision mechanism and so on. The formation of operational risk is analyzed. Chapter four introduces the credit approval mechanism of foreign commercial banks, focusing on the credit examination and approval systems of American banks, European banks and Canadian banks, and then compares and analyzes the examination and approval systems abroad, and sums up the experience of foreign examination and approval systems. Thus controls the domestic examination and approval system, provides the examination and approval quality. The fifth chapter is about how to improve the operation to improve the ability of examination and approval, improve the efficiency of personal housing loan examination and approval, improve the customer satisfaction, and put forward the countermeasures and suggestions to perfect the personal housing loan examination and approval: strengthen the internal control audit system. Strengthen the awareness of risk prevention; strengthen the professional skills training of examiners to improve the ability to identify risks; rationally allocate credit post examiners; optimize the approval process to improve the efficiency of approval; establish an electronic credit rating examination and approval system.
【学位授予单位】：河南大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.479
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本文编号：2289720
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