本文關(guān)鍵詞：A銀行H市分行個(gè)人貸款風(fēng)險(xiǎn)狀況的調(diào)研報(bào)告　出處：《廣西大學(xué)》2014年碩士論文　論文類型：學(xué)位論文

  更多相關(guān)文章： 個(gè)人貸款 信用風(fēng)險(xiǎn) 操作風(fēng)險(xiǎn)

【摘要】：由于經(jīng)濟(jì)發(fā)展因素,H市當(dāng)?shù)鼐用裥庞靡庾R(shí)不強(qiáng),信用環(huán)境較差,銀行內(nèi)部操作存在不規(guī)范因素,這給個(gè)人貸款業(yè)務(wù)的開展帶來一定阻力。A銀行H市分行個(gè)人貸款業(yè)務(wù)全面,對(duì)其個(gè)貸款業(yè)務(wù)風(fēng)險(xiǎn)狀況進(jìn)行調(diào)查研究有利于充分了解H市個(gè)人貸款的情況。 對(duì)A銀行H市分行個(gè)人貸款業(yè)務(wù)風(fēng)險(xiǎn)狀況的調(diào)查采用實(shí)地調(diào)查的方式進(jìn)行。采用理論與實(shí)踐相結(jié)合,定性分析和定量分析相結(jié)合,宏觀分析與微觀分析相結(jié)合以及縱向?qū)Ρ鹊姆治龇椒�。調(diào)查的主要內(nèi)容包括對(duì)銀行員工進(jìn)行訪談,收集和整理A銀行個(gè)人貸款的數(shù)據(jù)和案例資料。 調(diào)查發(fā)現(xiàn),農(nóng)戶小額貸款是A銀行H市分行風(fēng)險(xiǎn)較高的個(gè)人貸款業(yè)務(wù),其不良額貢獻(xiàn)率超過50%。另外,由于現(xiàn)階段房價(jià)下跌風(fēng)險(xiǎn)增大,住房抵押類個(gè)人貸款的貸款信用風(fēng)險(xiǎn)升高。A銀行H市分行面臨的主要風(fēng)險(xiǎn)類型為信用風(fēng)險(xiǎn)和操作風(fēng)險(xiǎn)。而信用風(fēng)險(xiǎn)主要來源于農(nóng)戶小額貸款的信用風(fēng)險(xiǎn)和住房抵押類貸款的信用風(fēng)險(xiǎn)。農(nóng)戶小額貸款的信用風(fēng)險(xiǎn)成因包括農(nóng)戶收入不穩(wěn)定,農(nóng)村社會(huì)保障能力差,農(nóng)村存在較重生活惡習(xí)以及騙貸思想較重。操作風(fēng)險(xiǎn)成因主要包括員工責(zé)任心不強(qiáng),風(fēng)險(xiǎn)意識(shí)不強(qiáng)以及貸款管理存在漏洞。 在前面分析的基礎(chǔ)上,提出的風(fēng)險(xiǎn)防控對(duì)策建議包含個(gè)人貸款實(shí)施過程中的改進(jìn)建議,加強(qiáng)企業(yè)文化建設(shè)、實(shí)行較嚴(yán)格的農(nóng)戶小額貸款政策以及加強(qiáng)員工業(yè)務(wù)水平培訓(xùn)等。
[Abstract]:Because of the economic development factor, the local residents' credit consciousness is not strong, the credit environment is poor, and there are non-standard factors in the bank's internal operation. This brings some resistance to the development of personal loan business. The personal loan business of H City Branch of Bank A is comprehensive. The investigation and research on the risk of individual loan business is beneficial to fully understand the situation of personal loan in H City. The investigation on the risk of personal loan business in the H branch of Bank A is carried out by the way of field investigation, combining theory with practice, qualitative analysis and quantitative analysis. The main contents of the investigation include interviews with bank employees, collection and collation of personal loan data and case data of Bank A. The survey found that the small loans of farmers is a risky personal loan business in the H branch of Bank A, and its contribution rate is more than 50%. In addition, because of the increased risk of house price decline at the present stage. The main types of credit risk faced by Bank H of Bank A are credit risk and operational risk, and credit risk mainly comes from the credit risk and housing risk of farmers' small loans. Credit risk of Mortgage loan. The causes of credit risk of farmers' small loans include the instability of farmers' income. The social security ability in rural areas is poor, there are serious bad habits in life and loan fraud in rural areas. The main causes of operational risk include the lack of responsibility of employees, the weak awareness of risk and the loopholes in loan management. On the basis of the previous analysis, the risk prevention and control countermeasures and suggestions include the improvement suggestions in the implementation of personal loans, and strengthen the construction of corporate culture. Implement more strict policy of peasant household small loan and strengthen staff business level training and so on.
【學(xué)位授予單位】：廣西大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類號(hào)】：F832.479

【參考文獻(xiàn)】

相關(guān)期刊論文 前7條

1 曹晨光;;我國商業(yè)銀行信貸風(fēng)險(xiǎn)控制研究[J];財(cái)政監(jiān)督;2011年02期

2 黃燕君;張振國;;對(duì)個(gè)人貸款操作風(fēng)險(xiǎn)管理的幾點(diǎn)思考[J];才智;2010年04期

3 代詠梅;王健美;王丹;;淺談商業(yè)銀行個(gè)人信貸業(yè)務(wù)的潛在風(fēng)險(xiǎn)[J];華章;2009年15期

4 孫悅雯;;關(guān)于完善個(gè)人信貸風(fēng)險(xiǎn)防控機(jī)制的思考[J];理論觀察;2010年05期

5 王桂森;;銀行業(yè)金融機(jī)構(gòu)操作風(fēng)險(xiǎn)管理應(yīng)關(guān)注的問題[J];黑龍江金融;2011年02期

6 臧建玲;王宏;郎小波;;基于農(nóng)戶小額貸款視角下的我國商業(yè)銀行風(fēng)險(xiǎn)管理研究[J];中外企業(yè)家;2011年04期

7 陳福錄;;個(gè)人貸款管理新政解讀及商業(yè)銀行的應(yīng)對(duì)之策[J];武漢金融;2010年06期

相關(guān)博士學(xué)位論文 前1條

1 王學(xué)忠;新型農(nóng)村金融機(jī)構(gòu)市場(chǎng)準(zhǔn)入法律制度研究[D];安徽大學(xué);2010年

，

本文編號(hào)：1416692