發(fā)布時(shí)間：2018-04-02 03:01

  本文選題：商業(yè)銀行　切入點(diǎn)：個(gè)人信貸風(fēng)險(xiǎn)　出處：《中國(guó)海洋大學(xué)》2014年碩士論文

【摘要】：近幾年,隨著我國(guó)經(jīng)濟(jì)的快速發(fā)展,居民的消費(fèi)水平不斷提高,消費(fèi)觀念也有所改變。這使得我國(guó)商業(yè)銀行個(gè)人信貸業(yè)務(wù)得到了快速的發(fā)展。商業(yè)銀行個(gè)人信貸業(yè)務(wù)種類逐漸豐富,由最初的只有住房類貸款,延伸到汽車、醫(yī)療、旅游、留學(xué)等各個(gè)領(lǐng)域。個(gè)人信貸額也有較大的提高。金融危機(jī)的爆發(fā)引發(fā)了人們對(duì)個(gè)人信貸風(fēng)險(xiǎn)的關(guān)注,國(guó)內(nèi)外研究信貸風(fēng)險(xiǎn)的學(xué)者和成果逐年增多。2014年以來(lái),全國(guó)不良貸款出現(xiàn)擴(kuò)散的跡象,八個(gè)已經(jīng)公布上半年不良貸款數(shù)據(jù)的省份的不良貸款全部上升。數(shù)據(jù)顯示,山東已經(jīng)超越浙江成為全國(guó)不良貸款增速最快的地區(qū)。并且,個(gè)人信貸業(yè)務(wù)作為銀行貸款的重要組成部分,對(duì)商業(yè)銀行的發(fā)展具有重要意義。因此,本文對(duì)商業(yè)銀行個(gè)人信貸風(fēng)險(xiǎn)進(jìn)行了研究。本文采用理論與實(shí)踐相結(jié)合的方法,首先對(duì)商業(yè)銀行面臨的信貸風(fēng)險(xiǎn)從理論上進(jìn)行詳細(xì)的闡述,對(duì)當(dāng)前商業(yè)銀行所面臨的信貸風(fēng)險(xiǎn)進(jìn)行識(shí)別、衡量和評(píng)估。實(shí)證方面,本文以興業(yè)銀行青島分行的個(gè)人住房按揭貸款的數(shù)據(jù)為例進(jìn)行分析。利用SPSS軟件對(duì)樣本進(jìn)行了描述性分析,由此得出一些結(jié)論。本文搜集了大量的樣本數(shù)據(jù)進(jìn)行計(jì)算分析,大大增強(qiáng)了論文的可信度和嚴(yán)謹(jǐn)度,提高了論文的說(shuō)服力。我國(guó)目前對(duì)于個(gè)人信貸業(yè)務(wù)風(fēng)險(xiǎn)管理的研究已經(jīng)取得了一定的成果,但是,通過分析比較發(fā)現(xiàn),我國(guó)的相關(guān)理論與國(guó)外已經(jīng)發(fā)展成熟的各類理論相比仍然存在很多不足。本文的創(chuàng)新之處在于本文搜集了興業(yè)銀行青島分行的大量數(shù)據(jù)并利用SPSS軟件對(duì)其進(jìn)行實(shí)證分析,具有較強(qiáng)的理論價(jià)值和應(yīng)用價(jià)值,為我國(guó)商業(yè)銀行信貸風(fēng)險(xiǎn)管理理論提供了一個(gè)較好的實(shí)證案例。同時(shí),本論文對(duì)我國(guó)商業(yè)銀行信貸風(fēng)險(xiǎn)管理的現(xiàn)狀進(jìn)行了分析,比較全面的提出了完善我國(guó)商業(yè)銀行信貸風(fēng)險(xiǎn)管理的建議。本文共分為五大部分：第一部分是緒論,介紹了選題的背景和意義,國(guó)內(nèi)外個(gè)人信貸風(fēng)險(xiǎn)研究的現(xiàn)狀、目前研究的不足及本論文的研究重點(diǎn)。第二部分是個(gè)人信貸管理理論綜述。對(duì)信貸風(fēng)險(xiǎn)管理的相關(guān)理論進(jìn)行了介紹,為接下來(lái)的信貸風(fēng)險(xiǎn)管理研究提供了理論依據(jù)。同時(shí),介紹了個(gè)人信貸風(fēng)險(xiǎn)的特點(diǎn)及成因。第三部分是興業(yè)銀行青島分行個(gè)人信貸業(yè)務(wù)管理研究。首先對(duì)興業(yè)銀行及青島市進(jìn)行了分析,然后對(duì)興業(yè)銀行青島分行個(gè)人信貸業(yè)務(wù)進(jìn)行了介紹。第四部分是數(shù)據(jù)分析及評(píng)價(jià),用軟件來(lái)對(duì)興業(yè)銀行青島分行的大量數(shù)據(jù)進(jìn)行分析。最后一部分是商業(yè)銀行個(gè)人信貸風(fēng)險(xiǎn)管理總結(jié)部分。對(duì)我國(guó)商業(yè)銀行個(gè)人信貸風(fēng)險(xiǎn)管理及控制提出了對(duì)策和建議。
[Abstract]:In recent years, with the rapid development of China's economy, the consumption level of residents has been improved, consumption concept has also changed.This makes our country commercial bank individual credit business to obtain the fast development.The personal credit business of commercial banks is gradually rich, from the initial only housing loans, extending to automobile, medical, tourism, study abroad and other fields.The amount of personal credit has also increased considerably.The outbreak of the financial crisis has aroused people's concern about personal credit risk. Scholars and achievements in the study of credit risk at home and abroad have increased year by year. Since 2014, there have been signs of proliferation of non-performing loans throughout the country.Non-performing loans rose in all eight provinces that have released first-half non-performing loan data.Data show that Shandong has overtaken Zhejiang as the fastest growing region for non-performing loans in China.Moreover, as an important part of bank loans, personal credit is of great significance to the development of commercial banks.Therefore, this article carries on the research to the commercial bank personal credit risk.This paper adopts the method of combining theory and practice, first of all, the credit risk faced by commercial banks is described in detail in theory, and the credit risks faced by commercial banks are identified, measured and evaluated.Empirically, this paper takes the data of individual housing mortgage loan of Industrial Bank Qingdao Branch as an example.The SPSS software is used to describe the sample, and some conclusions are drawn.In this paper, a large number of sample data are collected for calculation and analysis, which greatly enhance the reliability and rigor of the paper, and enhance the persuasive power of the paper.At present, some achievements have been made in the research of personal credit business risk management in our country. However, through the analysis and comparison, it is found that there are still many deficiencies in the relevant theories of our country compared with all kinds of theories that have been developed and mature in foreign countries.The innovation of this paper is that this paper collects a large number of data of Industrial Bank Qingdao Branch and makes an empirical analysis of it by using SPSS software, which has strong theoretical value and application value.It provides a good example for the theory of credit risk management of commercial banks in China.At the same time, this paper analyzes the current situation of credit risk management of commercial banks in China, and puts forward some suggestions to improve the credit risk management of commercial banks in China.This paper is divided into five parts: the first part is the introduction, introduced the background and significance of the topic, the domestic and foreign personal credit risk research status, the current research deficiencies and the focus of this paper.The second part is the summary of personal credit management theory.The related theories of credit risk management are introduced, which provides the theoretical basis for the next research on credit risk management.At the same time, it introduces the characteristics and causes of personal credit risk.The third part is the research of personal credit business management of Industrial Bank Qingdao Branch.Firstly, the author analyzes the bank and Qingdao, then introduces the personal credit business of the Qingdao branch of Societe Generale Bank.The fourth part is the data analysis and evaluation, using software to analyze a large number of data of Industrial Bank Qingdao Branch.The last part is the summary of personal credit risk management of commercial banks.This paper puts forward some countermeasures and suggestions for personal credit risk management and control of commercial banks in China.
【學(xué)位授予單位】：中國(guó)海洋大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類號(hào)】：F832.479;F299.23

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