本文關(guān)鍵詞：中國建設(shè)銀行吉林省分行個(gè)人貸款業(yè)務(wù)風(fēng)險(xiǎn)控制研究　出處：《吉林大學(xué)》2014年碩士論文　論文類型：學(xué)位論文

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【摘要】：近年來，伴隨著我國經(jīng)濟(jì)的快速發(fā)展和騰飛，我國居民的收入也在不斷的攀升，隨之而來的是人們不斷變化著的消費(fèi)觀念，因而，促進(jìn)了銀行業(yè)貸款業(yè)務(wù)的發(fā)展，特別是個(gè)人信貸業(yè)務(wù)的發(fā)展。而銀行業(yè)個(gè)人信貸業(yè)務(wù)的快速發(fā)展，對(duì)我國國民經(jīng)濟(jì)的發(fā)展起到了巨大的支撐和推進(jìn)的作用。特別是，能夠滿足居民日常生活需要的住房貸款和汽車貸款等得到了快速的發(fā)展，已經(jīng)成為建行吉林省分行個(gè)人貸款的主要業(yè)務(wù)對(duì)象。在銀行業(yè)個(gè)人貸款業(yè)務(wù)不斷發(fā)展的同時(shí)，個(gè)人信貸業(yè)務(wù)的風(fēng)險(xiǎn)也在逐漸的被大眾所認(rèn)知，但是由于個(gè)貸業(yè)務(wù)相對(duì)而言還屬于新興的業(yè)務(wù)，在管理模式和經(jīng)營方式上還需要不斷的探尋和摸索(徐志鵬，2008)。目前，建設(shè)銀行吉林省分行已經(jīng)站在個(gè)人貸款業(yè)務(wù)的風(fēng)險(xiǎn)防控的角度上，對(duì)建行吉林省分行的個(gè)貸業(yè)務(wù)進(jìn)行全面系統(tǒng)的風(fēng)險(xiǎn)管理，但是現(xiàn)有的手段和經(jīng)驗(yàn)還相對(duì)薄弱。因而，建行吉林省分行的個(gè)貸業(yè)務(wù)的風(fēng)險(xiǎn)控制問題一直是被關(guān)注的問題也是亟待解決的問題。 本文從建設(shè)銀行吉林省分行的個(gè)人貸款業(yè)務(wù)風(fēng)險(xiǎn)控制角度出發(fā)，，首先對(duì)建設(shè)銀行吉林省分行的個(gè)人貸款業(yè)務(wù)風(fēng)險(xiǎn)控制的現(xiàn)狀進(jìn)行了闡述，并且通過文獻(xiàn)的查找和閱讀找出了建行吉林省分行個(gè)人貸款業(yè)務(wù)風(fēng)險(xiǎn)控制中存在的具體問題，如個(gè)人信用管理體系不健全、缺乏完善的配套市場(chǎng)體系、風(fēng)險(xiǎn)控制團(tuán)隊(duì)專業(yè)化不足以及業(yè)務(wù)品種不夠全面等；然后，針對(duì)建行吉林省分行個(gè)人貸款業(yè)務(wù)風(fēng)險(xiǎn)控制中存在的具體問題進(jìn)行了原因分析，并提出一系列有針對(duì)性的解決方案，如：加強(qiáng)個(gè)貸業(yè)務(wù)風(fēng)險(xiǎn)防控培訓(xùn)、加強(qiáng)貸款“三查”、加強(qiáng)對(duì)合作項(xiàng)目和合作機(jī)構(gòu)的管理以及加強(qiáng)貸后基礎(chǔ)管理等。 本文對(duì)建設(shè)銀行吉林省分行的個(gè)人貸款業(yè)務(wù)風(fēng)險(xiǎn)控制問題的研究提供了一系列的對(duì)策和建議，使建行吉林省分行個(gè)人貸款業(yè)務(wù)的各項(xiàng)風(fēng)險(xiǎn)管理工作有據(jù)可依，也使建行吉林省分行的個(gè)人貸款業(yè)務(wù)風(fēng)險(xiǎn)控制機(jī)制更加完善。
[Abstract]:In recent years, with the rapid development of China's economy and development, the income of Chinese residents is constantly rising, followed by people of changing consumer attitudes, thus promote the development of loan business in the banking industry, especially the development of individual credit business. While the rapid development of personal credit in the banking industry that was a huge support and promote the development of our national economy. Especially, to meet the daily needs of the residents of the housing loans and car loans has been rapid development, has become the main business of Jilin branch of China Construction Bank personal loans. In the continuous development of banking personal loan business at the same time, credit risk is also gradually by the public cognition, but because the loan business relatively still belongs to the emerging business, also need not in management mode and operation way The search and exploration (Xu Zhipeng, 2008). At present, the Jilin branch of China Construction Bank has been standing on the risk control of personal loan business perspective, for comprehensive risk management system of Jilin branch of China Construction Bank loan business, but the existing methods and experience are relatively weak. Thus, the problem of risk control of Construction Bank Jilin province a branch of a business has been a concern and problems to be solved.
This article from the personal loan business risk control point of the Construction Bank Jilin branch of the Jilin branch of China Construction Bank personal loan business risk control are described, and through literature search and reading to find out the existing problems of Jilin branch of China Construction Bank personal loan business risk control, such as personal credit management the system is not perfect, the lack of perfect market system, lack of professional risk control team and business is not comprehensive; then, according to the Jilin branch of China Construction Bank personal loan business risk control system in the presence of specific problems are analyzed, and puts forward a series of targeted solutions, such as: strengthen risk control of loan business training, to strengthen the loan "three check", strengthen the cooperation projects and cooperation mechanism to strengthen the credit management and infrastructure management.
Provides a series of countermeasures and suggestions on the personal loan business risk control problem of Jilin branch of China Construction Bank, the risk of personal loan business of Jilin branch of China Construction Bank's management work according to the personal loan business, the risk control mechanism of Jilin Province branch of the more perfect.

【學(xué)位授予單位】：吉林大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類號(hào)】：F832.4

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相關(guān)期刊論文 前3條

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本文編號(hào)：1360885