随着经济的快速发展,自上个世纪末以来,我国商业银行的个人贷款业务得到快

速发展。个人贷款业务持续快速发展,贷款余额不断上升,表明我国的个人贷款业务

市场已经进入快速增长关键时期。与此同时,由于个人贷款业务还属于我国商业银行

的一项新兴业务,个人贷款业务的风险管理缺乏现成的模型可供借鉴和参考,也没有

办法形成一个完整独立的系统。在我国商业银行个人贷款业务不断发展的情况下,我

们迫切需要对现有的风险管理系统加以改善和提高,主要是因为现有的风险管理系统

还不能完全适应个人贷款业务风险管理快速发展的要求。

进行认真的探讨分析,突出针对性和可操作性,着力探讨商业银行个人贷款风险管理

有效对策,为推进个人贷款业务的健康、持续、快速发展提供有益参考。论文首先通

过梳理商业银行个人贷款风险管理的相关理论,然后基于理论和实际从基本概括和发

展现状进一步分析了招商银行长沙分行个人贷款业务风险现状。然后从招商银行长沙

分行个人贷款业务的现状入手,从外部因素、经营管理、金融工具风险量化管理三个

作风险这三个视角分析风险管理存在问题的原因。探究三大风险的影响因素,为进一

步提出个人贷款风险防范对策打下基础,根据得出的现状和原因进一步提出解决对策

和方案。最后提出了招商银行长沙分行个人贷款风险管理对策实施的保障措施以期对

招商银行长沙分行的决策和实践起到积极的推动作用,促进招商银行长沙分行业务的

可持续发展。

希望本文研究能够为商业银行个人贷款业务风险管理提供有益参考。

关键词:招商银行;贷款风险;风险控制

Abstract

Ever since the end of last century, with the fast development of ecomomy, the operation

of individual loans has developed rapidly in China. This operation developed sustainably,

which shows that the individual loans have set foot into the high-speed period of growth. At

the same time, because the operation of individual loan belongs to the burgeoning business,

the risk management in this field does not have the ready-made model to refer and has not

formed the independent whole system by its own yet. In China, the operation of individual

loans in commercial bank develops rapidly, which requires a much more efficient system of

risk management to replace the existing unsuitable management system.

We set the personal loan business of Changsha Branch of China Merchants Bank as an

example and seriously discuss in theory and practice, which give prominence to the

pertinence and operability. We strive to explore effective countermeasures for commercial

banks personal loans risk management and promote the healthy and sustained and rapid

development of personal loan business, provideing the beneficial reference. In this paper, by

analyzing commercial bank personal loan risk management related theory, we analyse the

current situation of the development of Changsha Branch of China Merchants Bank personal

loans business risk status. Then from the current situation of personal loan business of

Changsha Branch of China Merchants Bank, from external factors, operation and

management, financial instruments and risk quantification management,we analysis risk

management problems. To explore the influence factors of three risks, we lay the foundation

for further personal loan risk prevention countermeasures. According to the obtained further,

we put forward the countermeasures to the present situation and reason and solution. Finally,

we put forward the personal loan risk management countermeasure implementation of

safeguard measures in Changsha Branch of China Merchants Bank to play a positive role and

promote the sustainable development of Changsha Branch of China Merchants Bank.

I hope this research can provides the beneficial reference to the personal loan business of

commercial banks risk management.

Key Words:China Merchants Bank; Loan Risk; Risk Control