本文關(guān)鍵詞： 招商銀行 貸款風(fēng)險(xiǎn) 風(fēng)險(xiǎn)控制　出處：《湖南大學(xué)》2013年碩士論文　論文類(lèi)型：學(xué)位論文

【摘要】：隨著經(jīng)濟(jì)的快速發(fā)展，自上個(gè)世紀(jì)末以來(lái)，我國(guó)商業(yè)銀行的個(gè)人貸款業(yè)務(wù)得到快速發(fā)展。個(gè)人貸款業(yè)務(wù)持續(xù)快速發(fā)展，貸款余額不斷上升，表明我國(guó)的個(gè)人貸款業(yè)務(wù)市場(chǎng)已經(jīng)進(jìn)入快速增長(zhǎng)關(guān)鍵時(shí)期。與此同時(shí)，由于個(gè)人貸款業(yè)務(wù)還屬于我國(guó)商業(yè)銀行的一項(xiàng)新興業(yè)務(wù)，個(gè)人貸款業(yè)務(wù)的風(fēng)險(xiǎn)管理缺乏現(xiàn)成的模型可供借鑒和參考，也沒(méi)有辦法形成一個(gè)完整獨(dú)立的系統(tǒng)。在我國(guó)商業(yè)銀行個(gè)人貸款業(yè)務(wù)不斷發(fā)展的情況下，我們迫切需要對(duì)現(xiàn)有的風(fēng)險(xiǎn)管理系統(tǒng)加以改善和提高，主要是因?yàn)楝F(xiàn)有的風(fēng)險(xiǎn)管理系統(tǒng)還不能完全適應(yīng)個(gè)人貸款業(yè)務(wù)風(fēng)險(xiǎn)管理快速發(fā)展的要求。 本文以招商銀行長(zhǎng)沙分行的個(gè)人貸款業(yè)務(wù)為研究?jī)?nèi)容，對(duì)其從理論和實(shí)踐的角度進(jìn)行認(rèn)真的探討分析，突出針對(duì)性和可操作性，著力探討商業(yè)銀行個(gè)人貸款風(fēng)險(xiǎn)管理有效對(duì)策，為推進(jìn)個(gè)人貸款業(yè)務(wù)的健康、持續(xù)、快速發(fā)展提供有益參考。論文首先通過(guò)梳理商業(yè)銀行個(gè)人貸款風(fēng)險(xiǎn)管理的相關(guān)理論，然后基于理論和實(shí)際從基本概括和發(fā)展現(xiàn)狀進(jìn)一步分析了招商銀行長(zhǎng)沙分行個(gè)人貸款業(yè)務(wù)風(fēng)險(xiǎn)現(xiàn)狀。然后從招商銀行長(zhǎng)沙分行個(gè)人貸款業(yè)務(wù)的現(xiàn)狀入手，從外部因素、經(jīng)營(yíng)管理、金融工具風(fēng)險(xiǎn)量化管理三個(gè)作風(fēng)險(xiǎn)這三個(gè)視角分析風(fēng)險(xiǎn)管理存在問(wèn)題的原因。探究三大風(fēng)險(xiǎn)的影響因素，，為進(jìn)一步提出個(gè)人貸款風(fēng)險(xiǎn)防范對(duì)策打下基礎(chǔ)，根據(jù)得出的現(xiàn)狀和原因進(jìn)一步提出解決對(duì)策和方案。最后提出了招商銀行長(zhǎng)沙分行個(gè)人貸款風(fēng)險(xiǎn)管理對(duì)策實(shí)施的保障措施以期對(duì)招商銀行長(zhǎng)沙分行的決策和實(shí)踐起到積極的推動(dòng)作用，促進(jìn)招商銀行長(zhǎng)沙分行業(yè)務(wù)的可持續(xù)發(fā)展。 希望本文研究能夠?yàn)樯虡I(yè)銀行個(gè)人貸款業(yè)務(wù)風(fēng)險(xiǎn)管理提供有益參考。
[Abstract]:With the rapid development of economy, since the end of last century, China's commercial banks personal loan business has been developing rapidly. The sustained and rapid development of the personal loan business loans continue to rise, that personal loan market in China has entered a rapid growth in key period. At the same time, as a newly emerging business personal loan business also belong to the Commercial Bank of our country, the risk management of personal loan business of the lack of available model for reference, there is no way to form a complete and independent system. In the development of the personal loan business of commercial banks in China under the situation, we urgently need to improve and enhance the risk management of the existing system, mainly because the existing risk management system is not fully adapt to the rapid development of the risk management of personal loan business requirements.
In this paper, Changsha branch of China Merchants Bank personal loan business as the research content, the theory and practice from the perspective of earnest discussion, highlight the pertinence and operability, focus on personal loans of commercial banks risk management effective measures to promote the sustained personal loan business healthy and rapid development, provide a useful reference. Firstly, according to the relevant theory of personal loans out of commercial bank risk management, and then from the theoretical and practical status of basic summary and further analysis of the development of China Merchants Bank branch Changsha personal loan business risk based on the current situation. Then starting from the present situation of the personal loan business of China Merchants Bank Changsha branch, from external factors, business management, financial risk management tools three of the three perspectives of risk analysis and risk management problems. Concerning three factors of the risk, for further. Personal loans risk prevention measures to lay the foundation, according to the current situation and reasons that further puts forward the countermeasures and solutions. Finally put forward some measures to ensure personal loan risk management countermeasure implementation Changsha branch of China Merchants Bank China Merchants Bank branch in order to Changsha decision-making and practice play a positive role in promoting, promote the sustainable development of China Merchants Bank Changsha a branch of a business.
It is hoped that this study can provide useful reference for the risk management of personal loan business of commercial banks.

【學(xué)位授予單位】：湖南大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2013
【分類(lèi)號(hào)】：F832.4

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