本文選題：農行甘肅省分行 + 個人貸款　； 參考：《蘭州理工大學》2013年碩士論文

【摘要】：自從20世紀90年代末以來,隨著我國經濟總量的持續(xù)快速增長,城鎮(zhèn)化進程持續(xù)加快,國家宏觀政策的激勵,商業(yè)銀行的貸款業(yè)務,尤其是個人貸款業(yè)務快速發(fā)展,貸款余額快速上升,已經進入了發(fā)展的高速成長期。商業(yè)銀行作為經營風險的特殊機構,必須對經營活動的風險實現有效控制。相對于個人貸款業(yè)務規(guī)模快速擴張的態(tài)勢,其風險管理水平仍處在一個較低的水平。目前國內各商業(yè)銀行的個人貸款業(yè)務風險管理模式正處于探索階段,尋找到一個適合本行特點的個人貸款業(yè)務風險管理模式顯得尤為迫切。 本文以各大商業(yè)銀行進行零售業(yè)務轉型,大力推進個人貸款業(yè)務發(fā)展為背景,通過對商業(yè)銀行個人貸款風險管理理論的深入研究,對國內外商業(yè)銀行個人信貸業(yè)務風險管理的先進經驗進行了總結分析,根據甘肅省銀監(jiān)局、農業(yè)銀行甘肅省分行提供的統(tǒng)計數據,對中國農業(yè)銀行甘肅省分行個人貸款業(yè)務經營過程中的風險管理模式進行了剖析,梳理了該行個人貸款業(yè)務風險管理工作中存在的問題,并對風險成因進行了較為全面的闡述,結合該行個人信貸業(yè)務的經營特點,提出了商業(yè)銀行必須通過積極培育商業(yè)風險管理文化、健全風險管理制度、創(chuàng)新業(yè)務經營機制、規(guī)范和優(yōu)化操作流程等途徑加強個人貸款業(yè)務的風險管理。試圖對該行的個人貸款業(yè)務風險管理工作提供一定的指導。
[Abstract]:Since the end of 1990s, with the rapid growth of China's economy, the process of urbanization, the encouragement of national macro policy, the loan business of commercial banks, especially the personal loan business, has developed rapidly. Loan balance rises rapidly, has entered the high-speed growth period of development. As a special organization, commercial banks must control the risks of business activities effectively. Compared with the rapid expansion of personal loan business, its risk management level is still in a lower level. At present, the individual loan business risk management model of the domestic commercial banks is in the exploratory stage, it is particularly urgent to find a personal loan business risk management model suitable for the characteristics of the bank. In this paper, the retail business transformation of major commercial banks, vigorously promote the development of personal loan business as the background, through the commercial banks personal loan risk management theory in-depth research, This paper summarizes and analyzes the advanced experience of personal credit risk management of commercial banks at home and abroad. According to the statistics provided by Gansu Banking Regulatory Bureau and Gansu Branch of Agricultural Bank, This paper analyzes the risk management mode of personal loan business in Gansu Branch of Agricultural Bank of China, combs the problems existing in the risk management of personal loan business of Agricultural Bank of China, and expounds the causes of risk in a comprehensive way. Combined with the management characteristics of the bank's personal credit business, it is pointed out that commercial banks must actively cultivate the culture of commercial risk management, improve the risk management system, and innovate the business operation mechanism. Standardize and optimize the operation process to strengthen the risk management of personal loan business. This paper attempts to provide some guidance to the bank's personal loan business risk management.
【學位授予單位】：蘭州理工大學
【學位級別】：碩士
【學位授予年份】：2013
【分類號】：F832.33;F832.479

【參考文獻】

相關期刊論文 前10條

1 范紅雷;;美國次貸危機對我國個人住房信貸的警示[J];財經科學;2008年04期

2 劉莉亞;;商業(yè)銀行個人信貸信用評分模型的構建與應用[J];財經研究;2007年02期

3 王建新;于立勇;;基于信用風險度的商業(yè)銀行風險評估模型研究[J];管理工程學報;2007年04期

4 林月兵;國有商業(yè)銀行發(fā)展個人貸款業(yè)務市場環(huán)境分析[J];海南金融;2001年03期

5 孫清;;信用風險模型預測能力比較分析[J];經濟理論與經濟管理;2007年07期

6 鄒麗君;商業(yè)銀行消費信貸的風險與防范對策[J];經濟與社會發(fā)展;2005年04期

7 茅朝陽;;我國商業(yè)銀行個人信貸業(yè)務風險管理體系的完善[J];金融經濟;2010年12期

8 許會斌;;個人資產業(yè)務:商業(yè)銀行戰(zhàn)略新選擇[J];現代商業(yè)銀行;2007年01期

9 呂賢杰;;我國商業(yè)銀行信貸資產風險管理[J];內蒙古統(tǒng)計;2008年03期

10 李媛;;我國商業(yè)銀行信貸風險綜合評析[J];時代經貿(中旬刊);2007年SB期

，

本文編號：1983188