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各商业银行争相发展这一业务,彼此之间的竞争也日趋激烈,风险管理体系中存
在的问题也越来越明显。另外,个人消费贷款业务不同于其他类型的贷款,具有
.自己的特点:贷款对象为自然人,贷款用途难以把控,从而导致个人消费贷款业
务的风险相对来说较高。综合以上两个方面,对个人消费贷款业务风险管理进行
研宄非常有必要
Y银行LC分行于2007年成立,并于2009年开始发展个人消费贷款业务。从
近几年来看,个人消费贷款业务发展非常迅速,2016年个人消费贷款业务结余净
增8亿元,达到了历史新高,实现了井喷式的发展。该业务虽然发展迅速,但是
由于Y银行LC分行建行时间短,对个人消费贷款业务的风险管理体系的构建不
是特别完善,一旦市场经济形势发生下滑,其不良贷款率将会迅速上升。所以,
制定准确无误的业务风险管理体系是银行当前亟待解决的任务。这篇文章通过具
体案例来分析Y银行LC分行个人消费贷款业务风险管理体系中存在的问题,结
合同行业的风险管理体系进行问题分析,最后针对提出的问题并结合自己的观点
对Y银行LC分行现行的个人消费贷款风险管理体系进行了优化,希望能够帮助Y
银行LC分行更好地规避个人消费贷款业务的风险
本文分为五个章节。第一章是本文引言,展示了研宄背景、意义、思路框架
及特色。第二章阐述了个人消费贷款业务风险研宄的相关理论。第三章首先从总
体规模、种类和结构、不良贷款等方面描述了 Y银行LC分行个人消费贷款业务
的概况,然后总结了 Y银行LC分行个人消费贷款风险管理体系的现状。第四章
首先运用具体案例来分析说明了 Y银行LC分行个人消费贷款风险管理体系存在
的问题,其次结合同行业的风险管理体系进一步对Y银行LC分行个人消费贷款
风险管理体系进行了原因分析,指出了体系中的问题及发生的具体原因。第五章
结合前面四章的内容,最终优化了 Y银行LC分行个人消费贷款的业务风险管理
体系,并提出了相应的对策建议
关键词:商业银行消费信贷风险管理风险管理体系
I Abstract
In recent years, the personal consumption loans in the banking business is a major
bright spot, the business is not only an important source of bank profits, but also one of
the power to promote the development of national economy. Since the financial crisis in
2008, personal consumption loan business has a certain scale of development in
different countries, and governments use the personal consumption credit to boost its
own economic development to get the result of the financial crisis. Personal
consumption loan business has less capital consumption, national policy support, etc,
and is becoming more and more favour in numerous commercial Banks. Commercial
Banks have to carry out the business, also increasingly fierce competition between each
other. Second, personal consumption loan business is different from other forms of
loans. It has its own features: Loan object is a natural person,and the loan application is
difficult to handle. So personal consumption loans relative to production business loan
risk is bigger. Comprehensive the above two aspects, the study of personal consumption
loans risk management is very necessary.
The Y bank LC branch was established in 2007 and began to develop consumer
loan business in 2009. In recently years, the personal consumption loan business is
developing very rapidly. The personal consumption loan business was increased 800
million RMB in 2016, reached a record high. The business has developed rapidly. But
due to time is shortly, Y bank LC branch for personal consumption loan business of the
construction of the risk management system is not perfect. Once the decline in market
economy situation, the non-performing loans will rise rapidly. So making accurate
business risk management system is the current task to be solved. In the initial stage of
personal consumption loan business, timely to find the problems in the current risk
management system and to establish the accurate business risk management system is
the urgent task of the bank. This article aims to solve the Y bank LC about personal
consumption loans risk management problems, and need further improvement in the
process of risk management problems. The article analyzed the specific cases to find in
any of the individual consumer loan business risks,and combined with own point of
III view to build a set of effective risk management system, hoping to be able to help Y
bank LC branch better to evade the risk of personal consumer loan business.
This article is divided into five chapters. The introduction of the first chapter is
introduction. This paper introduced the research background, significance, research
status about this issue at home and abroad, research contents, methods, etc. The second
chapter expounds the related theory of personal consumption loans risk research. The
third chapter has two parts. The first part described Y bank LC branch general situation
of personal consumption loans from the overall size, type and structure, bad loans and
other aspects. The second part siunmarized the bank LC branch Y personal consumption
loans risk management system of the status quo. The fourth chapter illustrated the
specific case to analysis problems in personal consumption loans risk management
system. Then this part combined the risk management system of other industry to
analyze the problems. The specific reason for the risk problems are pointed out. The
fifth chapter combined the previous four chapters to constructed Y bank LC branch
personal consumption loans risk management system, and proposed the corresponding
countermeasures and Suggestions.
Keywords: Commercial bank Consumer credit, Risk management, Consumer
credit risk management system
IV 目录
^ ^ I
Abstract Ill
第1章引言 1
1.1研宄背景1.2研宄意义1.3研究方法1.4研宂思路与框架1.5研宄的特色第2章个人消费贷款风险研究相关理论显示信息，或将命令回显打开或关上
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要显示当前回显设置，键入不带参数的 ECHO
2.1个人消费贷款概述2.2个人消费贷款风险概述2.3国内外研宄现状2.4本文相关理论基础第3章Y银行LC分行个人消费贷款业务风险管理体系现状3.1银行业个人消费贷款风险管理体系现状3.2 Y银行LC分行风险管理体系的构成及运行3.2.1风险管理体系组织架构及职能3.2.2操作管理流程3.2.3风险管理评价系统3.3 Y银行LC分行个人消费贷款业务发展现状3.3.1个人消费贷款业务发展历程和总体规模3.3.2个人消费贷款业务的种类和结构
21
3.3.3个人消费贷款业务风险管理现状
23
第4章Y银行LC分行个人消费贷款风险管理体系问题与分析.....27
4.1 Y银行LC分行个人消费贷款风险管理问题案例
27
4.1.1案例一:组织职能重复导致逾期风险
27
4.1.2案例二:执行力的缺乏导致虚假抵押贷款
28
V 4.1.3案例三:违规准入房地产开发商
28
4.2基于典型案例的风险管理体系问题分析
29
4.3基于本地同业风险管理情况的比较分析
32
4.3.1同业风险管理体系结构
32
4.3.2基于本地同业风险管理体系的问题归纳与比较分析
35
第5章Y银行LC分行个人消费贷款业务风险管理体系优化
37
5.1个人消费贷款业务风险管理体系结构优化
37
5.1.1个人消费贷款业务风险管理体系架构及职能优化
37
5.1.2个人消费贷款业务风险管理流程优化
39
5.1.3个人消费贷款业务风险管理体系模型
46
5.2个人消费贷款业务风险管理体系制度优化
48
5.2.1形成全面风险管理文化
48
5.2.2加强风险管理队伍建设
48
5.2.3强化风险管理信息化建设
48
5.2.4完善风险管理政策制度
49
第6章结论 51
6.1基本结论
51
6.2研宄不足和展望
52
参考文献 53
M 57
攻读硕士学位期间发表的学术论文
59
VI
第1章引言
第1章引言
1.1研究背景
个人消费贷款业务是指个人客户若有购房、购车、购买家电、留学、旅游的
需求,可以向银行提出申请,银行向个人客户发放的具有特定用途的人民币贷款
业务。近几年,我国推动经济发展中的一大动力就是个人消费贷款业务的发展
目前,由于当今经济市场的长期低迷,导致商业银行中经营类贷款业务不断出现
不良,因此各大商业银行对此类贷款业务均出台了相应的收紧政策,并纷纷开始开
展个人消费贷款业务。在国内商业银行转型的背景下,个人消费贷款业务逐渐成
为各大商业的核心业务
截止2014年末,中国金融机构个人消费贷款结余达到了 15万亿元,增加2.4
万亿元。截止2015年末,LC市个人消费贷款结余284.35亿元,其中Y银行LC
分行个人消费贷款结余16.63亿元,市场占比5.85%[1]。自2009年以来,Y银行
LC分行的个人消费贷款业务规模连续翻番增长,在实践操作中积累了大量的风险
管理经验和核心技术,但是对该业务的完整风险管理体系的构建还不是特别完善,
从长远来看,为了避免问题的暴露和不良贷款的增加,对现有的风险管理体系进
行优化非常有必要
消费类贷款业务不同于其他形式的贷款,它具有自己的特点。首先,贷款是
具有自己行为意愿的“自然人”,即个人或家庭。它与企业等各类法人相比,灵
活性与变化性较大。其次,在贷款资金用途上来看,个人消费贷款的资金主要是
用于个人和家庭购买各类消费产品,比公司企业生产和销售的用途的风险更大
因为在当今社会各类信息共享不及时的情况下,商业银行难以掌握个人消费者的
真实情况和风险状况。另外,中国信用体系的缺失、宏观经济的变动都有可能成
为消费类贷款业务风险产生的原因。虽然一些问题属于阶段性问题,问题会随着
经济发展和制度的完善得以解决,但是对于一些全局性、体制性的问题,如果不
及时改善当前的情况,则商业银行消费类贷款业务市场的良好发展模式就很难在
段时间能建立起来。因此,加强对消费类贷款业务风险研宄,进一步优化消费类
贷款业务风险管理体系是目前Y银行LC分行的当务之急。陕西师范大学硕士学位论文
1.2研究意义
对Y银行LC分行个人消费贷款业务的风险管理进行研宄具有很重要的意义
首先,具有理论意义。关于风险的控制问题主要集中在零售类贷款业务方面,对
个人消费贷款业务,尤其是Y银行LC分行的个人
。。。以上简介无排版格式，详细内容请下载查看
