【摘要】：自上世紀(jì)90年代起，個(gè)人信貸業(yè)務(wù)量已明顯升高并持續(xù)高速繼續(xù)。該業(yè)務(wù)的成交總量每隔幾年就達(dá)到一個(gè)新的水平。時(shí)至今日，個(gè)人信用貸款已經(jīng)正式加入了傳統(tǒng)的銀行業(yè)務(wù)領(lǐng)域，成為開始逐漸領(lǐng)軍。當(dāng)前世界范圍內(nèi)銀行之間的競(jìng)爭(zhēng)激烈，國外發(fā)達(dá)國家在這方面有更多的經(jīng)驗(yàn)并且已經(jīng)作出戰(zhàn)略調(diào)整來適應(yīng)新的市場(chǎng)環(huán)境，從舊的公司信貸業(yè)務(wù)中逐漸抽調(diào)人力物力進(jìn)入新興的個(gè)人信貸業(yè)務(wù)市場(chǎng)，各項(xiàng)政策也逐步向個(gè)人信貸方向傾斜。由于個(gè)人信貸業(yè)務(wù)面臨的客戶個(gè)體更多，個(gè)性化更加豐富，因此對(duì)整體風(fēng)險(xiǎn)的把控就更加需要耐心和技巧。此外，雖然單個(gè)簽單的個(gè)人信貸業(yè)務(wù)的資金量不大，然而合同的總件數(shù)相乘的結(jié)果卻達(dá)到天一個(gè)文數(shù)字。因此，個(gè)人信用風(fēng)險(xiǎn)管理已成為逐漸被重視成為熱點(diǎn)話題。美國政府認(rèn)識(shí)到的個(gè)人信貸業(yè)務(wù)的風(fēng)控極其重要并一直走在探索的道路上。然而，1997的金融風(fēng)暴后，另一個(gè)更大的影響的金融風(fēng)暴在2007再次發(fā)生了，次級(jí)抵押貸款危機(jī)正是此次金融危機(jī)的導(dǎo)火索，其影響力也跨出國門震驚了整個(gè)世界。2007大蕭條的影響鄭重警告商業(yè)銀行已經(jīng)沒有其他的選擇，只有重視個(gè)人信貸業(yè)務(wù)的風(fēng)險(xiǎn)管理，才能因?yàn)榉�(wěn)步發(fā)展。 除緒論之外，本文由四部分組成： 第一部分著重論述了相關(guān)的理論和概念。對(duì)個(gè)人信貸業(yè)務(wù)進(jìn)行了說明、分類并針對(duì)其中涉及的諸如抵押物，還款方式等相關(guān)規(guī)定作出了解釋；對(duì)個(gè)人信貸業(yè)務(wù)的風(fēng)險(xiǎn)分類方法進(jìn)行了說明、分類；對(duì)個(gè)人信貸業(yè)務(wù)的風(fēng)險(xiǎn)管理方法進(jìn)行了說明、分類。 第二部分是舉例發(fā)達(dá)國家個(gè)人信貸業(yè)務(wù)風(fēng)險(xiǎn)管理現(xiàn)狀，并對(duì)發(fā)達(dá)國家的個(gè)人信貸業(yè)務(wù)的發(fā)展，歷史中遇到的問題進(jìn)行分析。這部分還橫向列舉了不同國家不同風(fēng)格的個(gè)人信貸業(yè)務(wù)的發(fā)展和當(dāng)下面臨的問題。其中重點(diǎn)闡述分析了美國、日本等國家的個(gè)人信貸業(yè)務(wù)的相關(guān)內(nèi)容，包括發(fā)展、優(yōu)勢(shì)和劣勢(shì)等，并引出了多種值得我們借鑒的制度和方法。 第三部分是針對(duì)北京地區(qū)的個(gè)人信貸業(yè)務(wù)的發(fā)展和當(dāng)前蘊(yùn)藏的風(fēng)險(xiǎn)進(jìn)行分類分析，著重介紹了北京地區(qū)個(gè)人信貸業(yè)務(wù)的現(xiàn)狀、種類和特色并揭示了北京地區(qū)目前不同機(jī)構(gòu)在此項(xiàng)業(yè)務(wù)中扮演的不同角色和各種機(jī)構(gòu)內(nèi)部的風(fēng)險(xiǎn)。 第四部分承接第三部分，在揭示了北京地區(qū)的特色和風(fēng)險(xiǎn)之后，對(duì)其特有的局面和風(fēng)險(xiǎn)點(diǎn)進(jìn)行了分析，，提出具體的風(fēng)險(xiǎn)管理辦法和建議。同時(shí)引薦第二部分提到從發(fā)達(dá)國家個(gè)人信貸業(yè)務(wù)發(fā)展中總結(jié)出的相對(duì)成熟的風(fēng)險(xiǎn)管理辦法，結(jié)合我國的具體情況，對(duì)北京地區(qū)的具體情況提出建議和解決方法。 本文立足北京、立足中國、立足當(dāng)下，總結(jié)了我國商業(yè)銀行面臨的不同問題。此外，本文不僅分析了我國個(gè)人信用貸款業(yè)務(wù)的問題，而且分析了個(gè)人信用制度風(fēng)險(xiǎn)控制管理。在挖掘問題后，本文介紹了我國個(gè)人信用體系的評(píng)價(jià)方法，并對(duì)北京地區(qū)的一些商業(yè)銀行提出了針對(duì)性的建議。 快速增長(zhǎng)的個(gè)人信貸業(yè)務(wù)雖然給銀行業(yè)的發(fā)展帶來了更多的機(jī)遇，也為我國居民提供了豐富的選擇，然而在此過程中個(gè)人信貸風(fēng)險(xiǎn)控制的重要性卻不能忽略，我們應(yīng)盡全力將個(gè)人信貸業(yè)務(wù)穩(wěn)健做好，持續(xù)作強(qiáng)。
[Abstract]:Since the 1990s, the amount of personal credit has increased significantly and continues at high speed. The total volume of the business reached a new level every few years. Today, personal credit has formally joined the traditional banking field and has become a leader in the process. The competition between banks in the current world is fierce, and the developed countries have more experience in this area and have made strategic adjustment to adapt to the new market environment, and gradually draw the manpower and material resources from the old company credit business into the emerging personal credit business market, Policies are also gradually inclined towards the direction of the individual's credit. As the individual credit business faces more and more individuation, the control of the overall risk is more patient and skill. In addition, although the amount of the individual credit business of a single sign-off is not small, the result of the multiplication of the total number of contracts reached the day-by-day figure. Therefore, the personal credit risk management has become the subject of gradually being paid attention to. The Government of the United States recognizes that the wind control of the individual credit business is of great importance and has been on the way to exploration. However, after the financial crisis of 1997, another bigger impact of the financial crisis has happened again in 2007, and the subprime mortgage crisis is the lead of the financial crisis. Its influence also shocked the whole world. The impact of the Great Depression in 2007 seriously warned that commercial banks had no other options, only to pay attention to the risk management of the individual's credit business, in order to develop steadily. In addition to the introduction, this paper is composed of four groups The first part focuses on the relevant theory And the risk classification method of the individual credit business is described and classified; and the risk management method for the individual credit business is described. The second part is the current situation of the individual credit business risk management of the developed countries, and the development of the individual credit business in the developed countries and the questions encountered in the history This part also shows the development and present of individual credit business in different countries in different countries. The focus is on the analysis of the relevant content of the individual credit business of the countries such as the United States, Japan and other countries, including the development, the advantages and the disadvantages, etc., and led out a variety of reference for us. The third part is to classify and analyze the development of the individual credit business in Beijing and the current risks. The current situation, type and characteristics of the credit business and the different roles and various roles of different institutions in the business in Beijing The fourth part undertakes the third part, after revealing the characteristics and risks of the Beijing area, the special situation and the risk point are analyzed, and the concrete is put forward Risk management methods and suggestions. At the same time, the introduction of the second part refers to the relatively mature risk management method summarized from the development of the individual credit business of the developed countries, in combination with the specific situation of our country, the specific situation of the Beijing area This paper is based on Beijing, based on China, and based on the present, summarizes our country. In addition, this paper not only analyzes the problems of the individual credit loan business in our country, but also analyzes the problems. The paper introduces the evaluation method of the personal credit system of our country after the problem of mining, and the business of the Beijing area. The bank has put forward specific suggestions. The fast-growing individual credit business has brought more opportunities to the development of the banking industry, and also provides a rich choice for the residents of our country. However, the importance of personal credit risk control in this process cannot be ignored. to make a full use of the individual
【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】：2015
【分類號(hào)】：F832.4

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