【摘要】：自二十世紀(jì)九十年代末以來,伴隨著我國城鎮(zhèn)居民消費和投資經(jīng)營的積極性的大幅提升,我國商業(yè)銀行個人信貸業(yè)務(wù)也呈現(xiàn)出迅猛發(fā)展的勢頭,成為了信貸業(yè)務(wù)的核心組成部分。然而,個人信貸業(yè)務(wù)作為一種新興業(yè)務(wù)尚未形成獨立的體系,其風(fēng)險管理仍僅作為商業(yè)銀行整體風(fēng)險管理的一個小的組成部分,沒有得到充分重視,也沒有建立起全面有效的風(fēng)險管理模式。隨著個人信貸規(guī)模的不斷擴大,風(fēng)險也日益暴露,近幾年更形成地區(qū)性和行業(yè)性的集中爆發(fā)。特別是在當(dāng)前全球經(jīng)濟仍處于深度調(diào)整和再平衡的階段,我國經(jīng)濟處于結(jié)構(gòu)調(diào)整和轉(zhuǎn)型升級的關(guān)鍵時期,金融體系不穩(wěn)定因素增加,GDP增速放緩和個人人均收入同比增速放慢的形勢下,個人信貸業(yè)務(wù)的預(yù)期風(fēng)險只會進一步增大,對銀行個人信貸結(jié)構(gòu)和資產(chǎn)資量將形成持續(xù)性的嚴(yán)峻考驗,也對商業(yè)銀行個人信貸風(fēng)險管理工作形成了挑戰(zhàn)。本文從X銀行長春分行個人信貸業(yè)務(wù)的整體現(xiàn)狀和不良貸款分布入手分析,識別出X銀行長春分行個人信貸業(yè)務(wù)中的風(fēng)險,并深入分析其成因,針對性地提出X銀行長春分行個人信貸風(fēng)險管理的對策。按照上述思路,本文共分為五個部分進行闡述。第一部分是緒論,介紹了本文的研究背景、研究意義、研究思路和研究方法,并對國內(nèi)外相關(guān)研究文獻進行了梳理。第二部分是個人信貸風(fēng)險管理的相關(guān)理論。其中簡要闡述了風(fēng)險的定義、特征和發(fā)生過程,個人信貸風(fēng)險的概念、分類和特點,以及風(fēng)險識別等。第三部分著重對X銀行長春分行個人信貸業(yè)務(wù)的整體現(xiàn)狀和不良貸款分布進行了分析。第四部分通過上述分析對其個人信貸業(yè)務(wù)進行了全面風(fēng)險識別并從銀行外部、銀行內(nèi)部和借款人三方面深入分析X銀行長春分行個人信貸業(yè)務(wù)風(fēng)險成因。第五部分是提出X銀行長春分行個人信貸風(fēng)險管理的對策。希望通過本文能夠更全面深入的認(rèn)知和解決X銀行長春分行個人信貸業(yè)務(wù)中存在的問題,有效控制和降低個人信貸業(yè)務(wù)風(fēng)險。也希望其中的共性問題能對銀行業(yè)整體個人信貸風(fēng)險管理研究有所助益,對銀行業(yè)的健康有序發(fā)展起到積極的推動作用。
[Abstract]:Since the late 1990s, along with the enthusiasm of urban residents' consumption and investment, the personal credit business of commercial banks in China has also shown a rapid development momentum. Has become the core part of the credit business. However, as an emerging business, personal credit business has not yet formed an independent system, its risk management is still only a small part of the overall risk management of commercial banks, and has not received sufficient attention. Nor has a comprehensive and effective risk management model been established. With the expansion of personal credit scale, the risks are exposed day by day. In recent years, regional and industrial concentration erupts. In particular, at present, the global economy is still in the stage of deep adjustment and rebalancing, and our economy is in a critical period of structural adjustment and transformation and upgrading, and the factors of instability in the financial system have increased. With the slowdown of GDP growth rate and the slowdown of personal per capita income growth rate, the expected risks of personal credit business will only be further increased, which will form a severe test of the continuity of the individual credit structure and the amount of assets and capital of banks. It also challenges the personal credit risk management of commercial banks. Based on the analysis of the whole situation of the personal credit business of Changchun Branch of X Bank and the distribution of non-performing loans, this paper identifies the risks in the personal credit business of Changchun Branch of X Bank, and deeply analyzes the causes of their formation. This paper puts forward the countermeasures of personal credit risk management in Changchun Branch of X Bank. According to the above ideas, this paper is divided into five parts to elaborate. The first part is the introduction, which introduces the research background, research significance, research ideas and research methods, and combs the relevant research literature at home and abroad. The second part is the theory of personal credit risk management. The definition, characteristics and occurrence process of risk, the concept, classification and characteristics of personal credit risk, and risk identification are briefly described. The third part focuses on the analysis of the overall situation and distribution of non-performing loans in Changchun Branch of X Bank. The fourth part analyzes the causes of personal credit risk in Changchun branch of X Bank from three aspects: external bank, internal bank and borrower. The fifth part is to put forward X Bank Changchun Branch personal credit risk management countermeasures. It is hoped that this paper will be able to fully understand and solve the problems existing in the personal credit business of Changchun Branch of X Bank, and effectively control and reduce the risk of personal credit business. It is also hoped that the common problems can be helpful to the study of individual credit risk management in the banking industry and play a positive role in promoting the healthy and orderly development of the banking industry.
【學(xué)位授予單位】：吉林大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2017
【分類號】：F832.33

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