常熟NS银行信贷管理系统的改进研究

发布时间：2018-03-19 04:24

本文选题：银行　切入点：信贷系统　出处：《吉林大学》2017年硕士论文　论文类型：学位论文

【摘要】：随着互联网金融的发展,传统个人消费信贷领域已非银行专有战场,各路互联网公司加入进来抢夺市场。公司信贷业务方面,风险频发,银行不良率居高不下,进一步影响银行传统息差业务产生的利润。本文以常熟NS银行信贷系统为研究对象。常熟NS银行是全国首批进行股份制改革的农村合作联合之一。目前该银行总行及业务重心均在位于全国百强县前五强的常熟市。近年来,随着常熟NS银行大零售战略的逐步推进,常熟NS银行信贷客户规模快速扩张,对常熟NS银行的客户管理能力带来挑战,同时客户规模带来的信贷需求的多样性,对常熟NS银行的产品研发能力提出了新的要求。信贷系统在满足越来越快速化的产品开发要求和越来越精细化管理要求方面已经逐渐显现出了不足。为了更好的满足常熟NS银行信贷管理的内在要求及外部需求,需要对常熟NS银行的信贷管理系统进行重新定位和全面的改建。本文首先对常熟NS银行信贷系统各个模块进行了概述,并在提出当前形势下,信贷系统在授信管理、与其他系统的同步、押品管理、风险预警及控制、产品快速配置方面存在问题,引出信贷系统建立评分卡模型的必然性。接着本文在第三章详细介绍了评分卡模型的作用以及建立评分卡模型的各步骤。常熟NS银行评分卡模型的数据评估是基于对当前信贷数据和环境进行深入研究和分析,然后对数据进行了有效的汇总,经历了模型设计、建模数据准备、细分分析、确定模型及模型验证阶段,证明了评分卡模型的可操作性,能够运用在日常业务开展中,为下一步客群营销,信贷工厂营销模式积累经验。在第四章,本文对评分卡模型的运行情况进行了效果评价,包括自动审批后的贷款质量方面、贷款逾期情况、部分典型机构自动审批的情况,并提出了评分卡模型仍有待改进及完善的地方。信贷系统嵌入评分卡模型实行自动审批为常熟NS银行信贷管理工作提供了一个便捷、高效的审批模式,提高了银行效益,也具有良好的社会效益。
[Abstract]:With the development of Internet finance, the traditional area of personal consumer credit is no longer the exclusive battlefield of banks. Various Internet companies have joined in to seize the market. In terms of corporate credit business, the risks are frequent and the rate of bank failure remains high. This paper takes the credit system of Changshu NS Bank as the research object. Changshu NS Bank is one of the first group of rural cooperation to carry out joint-stock system reform in China. Both the bank and the business center of gravity are located in Changshu City, the top five top 100 counties in the country. In recent years, With the gradual promotion of the large retail strategy of Changshu NS Bank, the scale of credit customers of Changshu NS Bank expands rapidly, which brings challenges to the customer management ability of Changshu NS Bank, and the diversity of credit demand brought by customer scale. This paper puts forward new requirements for the R & D capability of Changshu NS Bank. The credit system has gradually shown its shortcomings in meeting the requirements of more and more rapid product development and more and more refined management requirements. To meet the internal and external requirements of credit management in Changshu NS Bank, It is necessary to reposition and rebuild the credit management system of Changshu NS Bank. Firstly, this paper gives an overview of the various modules of the credit system of Changshu NS Bank, and puts forward that the credit system is in credit management under the current situation. Problems with synchronization with other systems, risk management, risk early warning and control, rapid product configuration, The paper introduces the inevitability of establishing the credit card model in the credit system. Then in the third chapter, the paper introduces the function of the scoring card model and the steps of establishing the scoring card model in detail. The data evaluation of the score card model of Changshu NS bank is the basis. To conduct in-depth research and analysis of current credit data and the environment, Then the data is summarized effectively, which has experienced model design, modeling data preparation, subdivision analysis, determining the model and model verification stage, proved the feasibility of the scoring card model, and can be used in daily business development. In Chapter 4th, this paper evaluates the operation of the scoring card model, including the quality of the loan after automatic approval, the overdue situation of the loan. Some typical organizations have automatic examination and approval, and put forward that the scoring card model still needs to be improved and perfected. The credit system embedded scoring card model can provide a convenience for the credit management work of Changshu NS bank. The efficient examination and approval mode improves the bank benefit, also has the good social benefit.
【学位授予单位】：吉林大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：TP311.52

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