J 银行和很多银行一样，也存在一定的“重存款、轻贷款”的现象。在利率市场化
以及我国经济步入新常态形势下，J 银行必须不断强化个人贷款风险管理，提升企业安
全发展能力。本文采用文献资料研究法、定性与定量结合研究法、案例研究法等研究
方法，从七个方面入手对 J 银行风险管理相关问题进行研究，本文的研究共分为七部
分。第一部分是对研究进行整体规划，谋篇布局，论述研究的背景、意义等内容；第
二部分是对研究中涉及的理论进行概述，提高研究的理论性；第三部分是对 J 银行个
人贷款业务风险的识别，论述 J 银行个人贷款业务状况、J 银行个人贷款业务风险以及
J 银行个人贷款业务风险的特点。第四章部分是对 J 银行个人贷款风险管理现状及现存
问题分析，主要包括 J 银行个人贷款风险管理现状存在的问题等方面的内容。第五部
分主要论述 J 银行个人贷款风险管理的改进方案，包括 J 银行贷款风险管理目标与原
则、个人贷款风险管理的改进等内容。第六部分提出了防范 J 银行个人贷款风险的保
障措施，主要有健全个人信用制度和信息交换制度、完善贷款担保制度、提升人才队
伍能力和素质、提升产品创新、完善风险资产早期预警机制。第七部分是总结全文，
得出研究结论。通过本文的研究希望能够对提高 J 银行个人贷款风险管理水平提供启
迪借鉴
关键词：
J 银行，个人贷款，风险管理III
Abstract
Research on the Risk Management of Personal Loan for J Bank
In recent years, with the development of social economy in our country, especially the
real estate market, the development of the auto market, the development of personal loan
business has entered the fast lane. But because of personal ability to resist risk is low
compared with organization, combined with the bank internal management as well as social
good faith construction of the outside world, and many other factors lead to bank in is
engaged in the process of personal loan business need to constantly strengthen the risk
management. Some Banks in recent years, the rising non-performing loans and personal
loans faithless case often get caught up in, the bank in the personal loan business
management is indeed a lot of deficiencies, need to think deeply about how to carry out a
personal loan risk management and practice constantly.
J bank and many Banks, there are certain deposit, loan phenomenon. In the
marketization of interest rate as well as our country&39;s economy into a new normal situation, J
bank must constantly enhance personal loan risk management, promote safe development
ability. This article USES the literature material method, qualitative and quantitative analysis
method, case method and other research methods, from the seven aspects of J bank risk
management issues related to research, this article research altogether is divided into seven
parts. The first part is to research on the overall planning, overall planning, discusses the
content such as the background significance of the study； The second part is theory are
summarized, involved in the study of improving theoretical research； The third part is the
business of J bank&39;s personal loan risk identification, this paper J bank&39;s personal loan
business situation, J bank&39;s personal loan business risks, and the characteristics of the J
bank&39;s personal loan business risk. The fourth chapter is about the present situation of J
bank&39;s personal loan risk management and the analysis of existing problems. Mainly includes
the present situation of J bank&39;s personal loan risk management, etc. The fifth part mainly
discusses the improvement of J bank&39;s personal loan risk management plan including J bank
loan risk management objectives and principles of personal loan risk management
improvement, such as the content, the sixth part puts forward the prevention of J bank&39;s
personal loan risk safeguard measures mainly include perfecting personal credit system and
information exchange system, improve the loan guarantee system, enhance the capacity andIV
quality talent team, improve product innovation, improve the assets risk early warning
mechanism. The seventh part is the summarize the research conclusion. Through the study of
this article hopes to provide enlightenment to improve J bank&39;s personal loan risk
management for reference.
Keywords:
J bank, Personal loans, Risk managementV
目 录
第 1 章 绪论......1
1.1 研究背景..1
1.2 研究意义..2
1.2.1 理论意义........2
1.2.2 实际意义........2
1.3 研究方法与研究内容......3
1.3.1 研究方法........3
1.3.2 研究内容........3
第 2 章 贷款风险管理相关理论概述..5
2.1 贷款风险管理概念及特征..........5
2.1.1 贷款风险的概念........5
2.1.2 贷款风险的类型........5
2.2 贷款风险管理的发展......7
2.2.1 资产风险管理理论....7
2.2.2 风险资产管理理论....7
2.3 个人贷款业务的风险管理流程..8
2.4 信贷风险管理国内外研究现状..8
2.4.1 信贷风险管理国内研究现状8
2.4.2 信贷风险管理国外研究现状9
第 3 章 J 银行个人贷款风险管理现状及现存问题分析.....11
3.1 J 银行个人贷款风险管理现状 .11
3.1.1 J 银行的公司治理结构 .......11
3.1.2 J 银行个人贷款中各类风险管理情况.......12VI
3.2 J 银行个人贷款风险管理存在的问题.15
3.2.1 个人信用信息核实问题 .....15
3.2.2 J 银行担保机制的疏漏.......15
3.2.3 缺乏专业化的风险研究团队 .........16
3.2.4 产品品种创新力度不足 .....17
3.2.5 缺乏风险预警机制 .17
第 4 章 J 银行个人贷款业务风险的识别.....19
4.1 J 银行个人贷款业务状况.........19
4.1.1 主要个人贷款业务品种 .....19
4.1.2 个人贷款业务结构 .21
4.2 J 银行个人贷款业务风险分析.22
4.2.1 J 银行个人贷款业务风险概况.......22
4.2.2 J 银行风险管理流程
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