对北京区个人信贷业务风险管理的研究

发布时间：2019-06-25 19:44

【摘要】：自上世纪90年代起，个人信贷业务量已明显升高并持续高速继续。该业务的成交总量每隔几年就达到一个新的水平。时至今日，个人信用贷款已经正式加入了传统的银行业务领域，成为开始逐渐领军。当前世界范围内银行之间的竞争激烈，国外发达国家在这方面有更多的经验并且已经作出战略调整来适应新的市场环境，从旧的公司信贷业务中逐渐抽调人力物力进入新兴的个人信贷业务市场，各项政策也逐步向个人信贷方向倾斜。由于个人信贷业务面临的客户个体更多，个性化更加丰富，因此对整体风险的把控就更加需要耐心和技巧。此外，虽然单个签单的个人信贷业务的资金量不大，然而合同的总件数相乘的结果却达到天一个文数字。因此，个人信用风险管理已成为逐渐被重视成为热点话题。美国政府认识到的个人信贷业务的风控极其重要并一直走在探索的道路上。然而，1997的金融风暴后，另一个更大的影响的金融风暴在2007再次发生了，次级抵押贷款危机正是此次金融危机的导火索，其影响力也跨出国门震惊了整个世界。2007大萧条的影响郑重警告商业银行已经没有其他的选择，只有重视个人信贷业务的风险管理，才能因为稳步发展。除绪论之外，本文由四部分组成：第一部分着重论述了相关的理论和概念。对个人信贷业务进行了说明、分类并针对其中涉及的诸如抵押物，还款方式等相关规定作出了解释；对个人信贷业务的风险分类方法进行了说明、分类；对个人信贷业务的风险管理方法进行了说明、分类。第二部分是举例发达国家个人信贷业务风险管理现状，并对发达国家的个人信贷业务的发展，历史中遇到的问题进行分析。这部分还横向列举了不同国家不同风格的个人信贷业务的发展和当下面临的问题。其中重点阐述分析了美国、日本等国家的个人信贷业务的相关内容，包括发展、优势和劣势等，并引出了多种值得我们借鉴的制度和方法。第三部分是针对北京地区的个人信贷业务的发展和当前蕴藏的风险进行分类分析，着重介绍了北京地区个人信贷业务的现状、种类和特色并揭示了北京地区目前不同机构在此项业务中扮演的不同角色和各种机构内部的风险。第四部分承接第三部分，在揭示了北京地区的特色和风险之后，对其特有的局面和风险点进行了分析，，提出具体的风险管理办法和建议。同时引荐第二部分提到从发达国家个人信贷业务发展中总结出的相对成熟的风险管理办法，结合我国的具体情况，对北京地区的具体情况提出建议和解决方法。本文立足北京、立足中国、立足当下，总结了我国商业银行面临的不同问题。此外，本文不仅分析了我国个人信用贷款业务的问题，而且分析了个人信用制度风险控制管理。在挖掘问题后，本文介绍了我国个人信用体系的评价方法，并对北京地区的一些商业银行提出了针对性的建议。快速增长的个人信贷业务虽然给银行业的发展带来了更多的机遇，也为我国居民提供了丰富的选择，然而在此过程中个人信贷风险控制的重要性却不能忽略，我们应尽全力将个人信贷业务稳健做好，持续作强。
[Abstract]:Since the 1990s, the amount of personal credit has increased significantly and continues at high speed. The total volume of the business reached a new level every few years. Today, personal credit has formally joined the traditional banking field and has become a leader in the process. The competition between banks in the current world is fierce, and the developed countries have more experience in this area and have made strategic adjustment to adapt to the new market environment, and gradually draw the manpower and material resources from the old company credit business into the emerging personal credit business market, Policies are also gradually inclined towards the direction of the individual's credit. As the individual credit business faces more and more individuation, the control of the overall risk is more patient and skill. In addition, although the amount of the individual credit business of a single sign-off is not small, the result of the multiplication of the total number of contracts reached the day-by-day figure. Therefore, the personal credit risk management has become the subject of gradually being paid attention to. The Government of the United States recognizes that the wind control of the individual credit business is of great importance and has been on the way to exploration. However, after the financial crisis of 1997, another bigger impact of the financial crisis has happened again in 2007, and the subprime mortgage crisis is the lead of the financial crisis. Its influence also shocked the whole world. The impact of the Great Depression in 2007 seriously warned that commercial banks had no other options, only to pay attention to the risk management of the individual's credit business, in order to develop steadily. In addition to the introduction, this paper is composed of four groups The first part focuses on the relevant theory And the risk classification method of the individual credit business is described and classified; and the risk management method for the individual credit business is described. The second part is the current situation of the individual credit business risk management of the developed countries, and the development of the individual credit business in the developed countries and the questions encountered in the history This part also shows the development and present of individual credit business in different countries in different countries. The focus is on the analysis of the relevant content of the individual credit business of the countries such as the United States, Japan and other countries, including the development, the advantages and the disadvantages, etc., and led out a variety of reference for us. The third part is to classify and analyze the development of the individual credit business in Beijing and the current risks. The current situation, type and characteristics of the credit business and the different roles and various roles of different institutions in the business in Beijing The fourth part undertakes the third part, after revealing the characteristics and risks of the Beijing area, the special situation and the risk point are analyzed, and the concrete is put forward Risk management methods and suggestions. At the same time, the introduction of the second part refers to the relatively mature risk management method summarized from the development of the individual credit business of the developed countries, in combination with the specific situation of our country, the specific situation of the Beijing area This paper is based on Beijing, based on China, and based on the present, summarizes our country. In addition, this paper not only analyzes the problems of the individual credit loan business in our country, but also analyzes the problems. The paper introduces the evaluation method of the personal credit system of our country after the problem of mining, and the business of the Beijing area. The bank has put forward specific suggestions. The fast-growing individual credit business has brought more opportunities to the development of the banking industry, and also provides a rich choice for the residents of our country. However, the importance of personal credit risk control in this process cannot be ignored. to make a full use of the individual
【学位授予单位】：吉林大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：F832.4

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