本文關(guān)鍵詞：W商業(yè)銀行個(gè)人信貸風(fēng)險(xiǎn)管理研究　出處：《寧夏大學(xué)》2017年碩士論文　論文類型：學(xué)位論文

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【摘要】：改革開放后,國(guó)民經(jīng)濟(jì)水平大幅上升,從脫貧致富到奔向小康,人們的生活水平得到了明顯提升,家庭財(cái)富有了增長(zhǎng),人們迫切的希望提升生活質(zhì)量,改善生活環(huán)境的愿望,帶動(dòng)了消費(fèi)需求進(jìn)一步增大,“花明天的錢,圓今天的夢(mèng)”開始引領(lǐng)著人們的消費(fèi)觀念。為適應(yīng)個(gè)人對(duì)貸款資金的需求,個(gè)人信貸業(yè)務(wù)成為了國(guó)內(nèi)各個(gè)銀行貸款業(yè)務(wù)的一部分,個(gè)人信貸的種類和項(xiàng)目如雨后春筍般遍地開花,目前的主要貸款項(xiàng)目仍以自用性商品房、家用汽車等奢飾品,以及為改善生活品質(zhì)的綜合性分期貸款、助學(xué)分期貸款、旅游分期貸款等為主。個(gè)人信貸業(yè)務(wù)種類逐漸增多,可相似性居高,產(chǎn)品差異化不明顯,在經(jīng)濟(jì)下滑的全球金融環(huán)境下,個(gè)人信貸業(yè)務(wù)成為了各大銀行間相互競(jìng)爭(zhēng)的利潤(rùn)點(diǎn),通過簡(jiǎn)化業(yè)務(wù)審批流程、縮短信貸時(shí)間吸引客戶,信貸準(zhǔn)入門檻降低,因此個(gè)人貸款業(yè)務(wù)的風(fēng)險(xiǎn)頻頻發(fā)生,對(duì)于風(fēng)險(xiǎn)的管控管理成為了商業(yè)銀行需要關(guān)注的問題。在面對(duì)大量同質(zhì)化、競(jìng)爭(zhēng)激烈的市場(chǎng)時(shí),W商業(yè)銀行為了在金融市場(chǎng)中能分得一杯羹,就要面臨個(gè)人信貸業(yè)務(wù)帶來的風(fēng)險(xiǎn),諸如在信貸業(yè)務(wù)辦理中的從業(yè)人員專業(yè)能力不足帶來的操作風(fēng)險(xiǎn)和道德風(fēng)險(xiǎn),在審批過程中產(chǎn)生的法律風(fēng)險(xiǎn)和制度風(fēng)險(xiǎn),以及貸后管理中的違約風(fēng)險(xiǎn)和道德風(fēng)險(xiǎn),均會(huì)對(duì)商業(yè)銀行的金融資產(chǎn)帶來一定的損失。在對(duì)大量個(gè)人信貸業(yè)務(wù)的理論和經(jīng)驗(yàn)學(xué)習(xí)的基礎(chǔ)上,對(duì)W商業(yè)銀行的風(fēng)險(xiǎn)進(jìn)行了初步的調(diào)研,本文以W商業(yè)銀行個(gè)人信貸業(yè)務(wù)為研究對(duì)象,根據(jù)W商業(yè)銀行的實(shí)際情況,借助調(diào)研數(shù)據(jù)、圖表等資料,利用金融業(yè)5C準(zhǔn)則,設(shè)計(jì)了個(gè)人信貸資信評(píng)定標(biāo)準(zhǔn)表。運(yùn)用AHP層次分析法,將W商業(yè)銀行信貸業(yè)務(wù)中影響風(fēng)險(xiǎn)的幾大因素對(duì)比,對(duì)未來影響個(gè)人信貸還款能力的因素進(jìn)行分析,作為信貸風(fēng)險(xiǎn)管理的重點(diǎn),做好貸前、貸后的動(dòng)態(tài)監(jiān)管。依據(jù)現(xiàn)有的個(gè)人信貸風(fēng)險(xiǎn)分析,尋找問題,給予W商業(yè)銀行在個(gè)人信貸中的風(fēng)險(xiǎn)管理的對(duì)策,對(duì)個(gè)人信貸業(yè)務(wù)的未來發(fā)展提出風(fēng)險(xiǎn)管理建議。
[Abstract]:After the reform and opening up, the national economy level increased sharply, from poverty to prosperity, people's living standard has been improved significantly, household wealth has increased, people are eager to improve the quality of life, improve the living environment of the desire, driven by consumer demand further increases, "spend tomorrow's money today yuan dream began to lead the people's consumption concept. In order to meet the individual needs of the loan funds, personal credit business has become a part of the domestic bank loan business, project type and personal credit such as flowering times like bamboo shoots after a spring rain, the main current loan project is still occupied by commercial housing, household cars and other luxury jewelry. And in order to improve the comprehensive quality of life of the student loan installments, installment loans, travel installment loans etc.. Personal credit business types can be gradually increased, the similarity is high, product differentiation is unknown Obviously, the economic downturn in the global financial environment, personal credit business has become a major bank competition between the point of profit by simplifying the approval process of credit business, shorten the time to attract customers, credit access threshold is reduced, so the risk of personal loans occurred frequently, for control of risk management has become the commercial banks need to pay attention to in the face of a large number of problems. The homogenization of the competitive market, W commercial banks to a share in the financial market, they will face the risk of personal credit business, such as lack of professional ability of employees in the credit business in the operational risk and moral risk, legal risk and system risk in the process of examination and approval, and post loan management of default risk and moral risk, will bring some loss of financial assets of commercial banks. In a large number of people Based on the theoretical and Empirical Study of credit business on the risk of W commercial bank conducted a preliminary investigation, based on the personal credit business of commercial bank W as the research object, according to the actual situation of W commercial bank, with the survey data, charts and data, using the 5C of financial industry standards, the design of personal credit evaluation the standard table. Using the AHP analytic hierarchy process, comparison of several major factors will influence W commercial bank credit business risk, the factors impact on the future of personal credit repayment ability analysis, as the focus of credit risk management, good credit, dynamic supervision after loan. The problem of finding on the basis of analysis, the existing personal credit risk give the Countermeasures of W risk management of commercial banks in the personal credit risk management, puts forward suggestions on the future development of the personal credit business.

【學(xué)位授予單位】：寧夏大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2017
【分類號(hào)】：F832.479

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