本文關鍵詞： 招商銀行 貸款風險 風險控制　出處：《湖南大學》2013年碩士論文　論文類型：學位論文

【摘要】：隨著經濟的快速發(fā)展，自上個世紀末以來，我國商業(yè)銀行的個人貸款業(yè)務得到快速發(fā)展。個人貸款業(yè)務持續(xù)快速發(fā)展，貸款余額不斷上升，表明我國的個人貸款業(yè)務市場已經進入快速增長關鍵時期。與此同時，由于個人貸款業(yè)務還屬于我國商業(yè)銀行的一項新興業(yè)務，個人貸款業(yè)務的風險管理缺乏現(xiàn)成的模型可供借鑒和參考，也沒有辦法形成一個完整獨立的系統(tǒng)。在我國商業(yè)銀行個人貸款業(yè)務不斷發(fā)展的情況下，我們迫切需要對現(xiàn)有的風險管理系統(tǒng)加以改善和提高，主要是因為現(xiàn)有的風險管理系統(tǒng)還不能完全適應個人貸款業(yè)務風險管理快速發(fā)展的要求。 本文以招商銀行長沙分行的個人貸款業(yè)務為研究內容，對其從理論和實踐的角度進行認真的探討分析，突出針對性和可操作性，著力探討商業(yè)銀行個人貸款風險管理有效對策，為推進個人貸款業(yè)務的健康、持續(xù)、快速發(fā)展提供有益參考。論文首先通過梳理商業(yè)銀行個人貸款風險管理的相關理論，然后基于理論和實際從基本概括和發(fā)展現(xiàn)狀進一步分析了招商銀行長沙分行個人貸款業(yè)務風險現(xiàn)狀。然后從招商銀行長沙分行個人貸款業(yè)務的現(xiàn)狀入手，從外部因素、經營管理、金融工具風險量化管理三個作風險這三個視角分析風險管理存在問題的原因。探究三大風險的影響因素，，為進一步提出個人貸款風險防范對策打下基礎，根據得出的現(xiàn)狀和原因進一步提出解決對策和方案。最后提出了招商銀行長沙分行個人貸款風險管理對策實施的保障措施以期對招商銀行長沙分行的決策和實踐起到積極的推動作用，促進招商銀行長沙分行業(yè)務的可持續(xù)發(fā)展。 希望本文研究能夠為商業(yè)銀行個人貸款業(yè)務風險管理提供有益參考。
[Abstract]:With the rapid development of economy, since the end of last century, China's commercial banks personal loan business has been developing rapidly. The sustained and rapid development of the personal loan business loans continue to rise, that personal loan market in China has entered a rapid growth in key period. At the same time, as a newly emerging business personal loan business also belong to the Commercial Bank of our country, the risk management of personal loan business of the lack of available model for reference, there is no way to form a complete and independent system. In the development of the personal loan business of commercial banks in China under the situation, we urgently need to improve and enhance the risk management of the existing system, mainly because the existing risk management system is not fully adapt to the rapid development of the risk management of personal loan business requirements.
In this paper, Changsha branch of China Merchants Bank personal loan business as the research content, the theory and practice from the perspective of earnest discussion, highlight the pertinence and operability, focus on personal loans of commercial banks risk management effective measures to promote the sustained personal loan business healthy and rapid development, provide a useful reference. Firstly, according to the relevant theory of personal loans out of commercial bank risk management, and then from the theoretical and practical status of basic summary and further analysis of the development of China Merchants Bank branch Changsha personal loan business risk based on the current situation. Then starting from the present situation of the personal loan business of China Merchants Bank Changsha branch, from external factors, business management, financial risk management tools three of the three perspectives of risk analysis and risk management problems. Concerning three factors of the risk, for further. Personal loans risk prevention measures to lay the foundation, according to the current situation and reasons that further puts forward the countermeasures and solutions. Finally put forward some measures to ensure personal loan risk management countermeasure implementation Changsha branch of China Merchants Bank China Merchants Bank branch in order to Changsha decision-making and practice play a positive role in promoting, promote the sustainable development of China Merchants Bank Changsha a branch of a business.
It is hoped that this study can provide useful reference for the risk management of personal loan business of commercial banks.

【學位授予單位】：湖南大學
【學位級別】：碩士
【學位授予年份】：2013
【分類號】：F832.4

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