本文選題：交通銀行杭州分行　切入點：消費信貸　出處：《蘭州理工大學》2016年碩士論文

【摘要】：消費信貸在國外已經(jīng)有很多年的發(fā)展歷史,美國和日本等發(fā)達國家積累了豐富的經(jīng)驗,我國的消費信貸是在1998年后才慢慢發(fā)展起來的,在擴大內(nèi)需的推動下,隨著我國資本市場的逐步完善得到了積極的發(fā)展,消費信貸目前已經(jīng)成為各大商業(yè)銀行的主要業(yè)務和利潤的增長點。但是,如果一味的追求利益而忽視了風險,在對消費信貸的審核方面放松、簡化手續(xù),必然會造成各大銀行之間的惡性競爭,當達到一定的量時會出現(xiàn)很多的負面事件的發(fā)生。本文首先介紹了交行杭州分行消費信貸的基本情況,以及履約和違約情況的分析,對消費信貸出現(xiàn)的風險原因進行了系統(tǒng)的分析,并借鑒國外發(fā)達國家的經(jīng)驗,針對消費貸款所出現(xiàn)的風險提出了相應的措施。本文分七章進行研究分析。第一章是緒論部分,主要介紹了研究背景和研究意義,并分析了國內(nèi)外研究現(xiàn)狀,對消費貸款的一些基本情況進行了介紹,闡述了本論文的研究方法和研究內(nèi)容,研究框架圖。第二章主要介紹了消費信貸的相關(guān)理論基礎(chǔ)。從消費信貸的概念和特點出發(fā),深入分析了消費信貸風險產(chǎn)生的理論基礎(chǔ),并將消費信貸進行了相關(guān)的分類,為本論文的進一步研究的理論基礎(chǔ)做好了鋪墊。第三章介紹了交行杭州分行的基本概況,對近幾年杭州分行消費貸款額度和違約情況進行了詳細的分析,抽取了200組客戶的情況從婚姻、職業(yè)等方面進行定量分析。第四章,根據(jù)上一章的研究成果,從銀行內(nèi)部和外部對消費信貸的原因進行了分析。第五章借鑒國外消費信貸管理的經(jīng)驗,主要是美國、德國和日本幾個國家在消費貸款的風險管理方面的經(jīng)驗,尤其是美國金融危機的發(fā)生,給我國的消費信貸具有重要的借鑒意義。第六章通過借鑒國外在消費信貸方面的經(jīng)驗,針對交行杭州分行消費信貸所存在的問題,提出相應的風險管理措施。第七章結(jié)論和展望。對本論文的研究工作進行總結(jié),并對消費信貸的下一步研究工作做出展望。
[Abstract]:Consumer credit has been developing for many years abroad. Developed countries such as the United States and Japan have accumulated rich experience. Consumer credit in China developed slowly after 1998, driven by the expansion of domestic demand.With the gradual improvement of the capital market in China, consumer credit has become the main business and profit growth point of commercial banks.However, if we blindly pursue the interests and ignore the risks, relax the examination of consumer credit and simplify the procedures, it will inevitably lead to vicious competition between the major banks, when a certain amount will occur a lot of negative events.This paper first introduces the basic situation of consumption credit in Hangzhou Branch of the Bank of Communications, as well as the analysis of performance and breach of contract, systematically analyzes the risk causes of consumer credit, and draws lessons from the experience of developed countries.According to the risk of consumer loans, the corresponding measures are put forward.This paper is divided into seven chapters.The first chapter is the introduction part, mainly introduces the research background and the research significance, and analyzes the domestic and foreign research present situation, has carried on the introduction to some basic situation of the consumer loan, elaborated this thesis research method, the research content, the research frame chart.The second chapter mainly introduces the related theoretical basis of consumer credit.Based on the concept and characteristics of consumer credit, this paper deeply analyzes the theoretical basis of consumer credit risk, and classifies consumer credit in order to lay a good foundation for further research in this paper.The third chapter introduces the basic situation of Hangzhou Branch of the Bank of Communications, analyzes the consumption loan quota and breach of contract in Hangzhou Branch in detail in recent years, and extracts 200 groups of customers from marriage, occupation and other aspects to carry on quantitative analysis.Chapter four, according to the research results of the previous chapter, analyzes the reasons of consumer credit from inside and outside the bank.The fifth chapter draws lessons from the experience of foreign consumer credit management, mainly the experience of the United States, Germany and Japan in the risk management of consumer loans, especially the occurrence of the financial crisis in the United States.Consumer credit to our country has important reference significance.The sixth chapter proposes the corresponding risk management measures in view of the problems existing in the consumer credit in Hangzhou Branch of the Bank of Communications by using the experience of foreign countries for reference.Chapter VII conclusions and prospects.The research work of this paper is summarized, and the future research work of consumer credit is prospected.
【學位授予單位】：蘭州理工大學
【學位級別】：碩士
【學位授予年份】：2016
【分類號】：F832.4

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