SouthwestUniversity
of ScienceandTechnology
Master Degree Thesis
XH bank's personal credit business risk
management research
Grade: 2015
Candidate: YUAN LAI
Academic Degree Applied for: Master Degree
Speciality: Business Administration（MBA）
Supervisor : Prof. CHEN JINYU
GuestSupervisor: Prof.LI YIZHONG
Jun.16,2018
独 创 性 声 明
本人声明所呈交的论文是我个人在导师指导下进行的研究工作及取得的研究
成果。尽我所知，除了文中特别加以标注和致谢的地方外，论文中不包含其他人
已经发表或撰写过的研究成果，也不包含为获得西南科技大学或其它教育机构的
学位或证书而使用过的材料。与我一同工作的同志对本研究所做的任何贡献均已
在论文中作了明确的说明并表示了谢意
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日 期： 2018年6月16日
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签 名：
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日 期：2018年6月16日
西南科技大学硕士研究生学位论文 第 1 页
摘 要
我国商业银行的个人信贷业务在上个世纪末迎来了高速发展的时期，个人信
贷的种类也得到了较大的拓展，随着金融创新，尤其是融资结构和人们消费观念
的改变，个人信贷业务获得飞速发展。由于个人信贷业务具有经济资本占用少、
风险分散、资产质量高、盈利空间大等特点，是银行的优质资产业务，因而倍受
商业银行的青睐。近年来，随着个人信贷业务发展的规模越来越大，其中蕴含的
风险也在逐渐显现，其风险具有潜在性、长期性、分散性等特点，目前对于风险
管理有许多研究，但是随着金融环境的不断变化，个人信贷业务的风险也出现了
新的变化，本文结合XH银行个人信贷业务的实际状况，开展个贷风险管理研究，
并根据最新的金融及市场环境提出建议与对策
本文主要着眼于XH银行个人信贷业务的现状，同时对不良贷款的分布情况进
行分析，对其个人信贷业务中的风险进行识别，探讨XH银行个人信用风险管理的
风险成因及对策建议。从上述思路出发，本文可以主要分为五个部分。第一部分
为绪论，对研究的背景、意义、思路、方法等内容进行简单阐述，并对国内外相
关领域的研究成果进行总结和分析。第二部分为个人信贷风险的相关理论，介绍
了相关概念的界定与基础理论。第三部分着重以 XH银行个人信贷业务风险管理
现状，以及从开展个人信贷业务的实际工作出发，对目前信贷业务种类、贷款流
程等进行详细分析。第四部分通过XH银行个人信贷业务的不良贷款，对XH银行
个人信贷业务的风险控制与存在问题分析。第五部分是针对XH银行在个人信贷业
务风险管理方面出现的问题，提出有针对性的建议
本文全面深入的分析 XH银行个人信贷业务风险成因及管理过程中存在的风
险因素，并提出建议与对策，以帮助XH银行对个人信贷风险进行有效管控，减少
不良贷款的出现概率，并给其他商业银行的个人信贷风险管理提供借鉴参考
关键词：商业银行；个人信贷；风险管理
西南科技大学硕士研究生学位论文 第 2 页
Abstract
The personal credit business of China’s commercial banks has ushered in a period
of rapid development at the end of the last century, and the types of personal credit
have also been greatly expanded. With the financial innovation, especially the changes
in financing structure and people’s consumption concepts, personal credit business Get
rapid development. Since personal credit business has the characteristics of less
occupied economic capital, dispersed risks, high asset quality, and large profit margins,
it is a high-quality asset business of banks and is therefore favored by commercial
banks. In recent years, with the increasing scale of personal credit business
development, the risks inherent in it have gradually emerged. The risks are latent,
long-term, and decentralized. Currently, there are many studies on risk management,
but with the As the financial environment continues to change and the personal credit
business risks have also undergone new changes, this article has combined with the
actual situation of XH Bank's personal credit business to conduct individual loan risk
management research and propose recommendations and countermeasures based on
the latest financial and market environment.
This article focuses on the status quo of XH Bank's personal credit business,
analyzes the distribution of non-performing loans, and identifies the risks in its
personal credit business. It discusses the causes of risks in XH Bank's personal credit
risk management and suggests countermeasures. From the above ideas, this article can
be divided into five parts. The first part is the introduction. It briefly explains the
background, significance, ideas and methods of the research, and summarizes and
analyzes the research results in related fields at home and abroad. The second part is
related to the theory of personal credit risk, and introduces the definition and basic
theories of related concepts. The third part focuses on the current situation of the XH
bank's personal credit business risk management, as well as the actual work of
developing personal credit business, and conducts a detailed analysis of the current
credit business types and loan procedures. The fourth part analyzes the risk control and
existing problems of XH Bank's personal credit business through the non-performing
loans of XH Bank's personal credit business. The fifth part is aimed at XH Bank's
problems in the personal credit business risk management, and put forward targeted
recommendations.
This article thoroughly analyzes the causes of XH Bank's personal credit business
risk and the risk factors in the management process, and proposes suggestions and
countermeasures to help XH Bank effectively manage and control personal credit risk,
reduce the probability of non-performing loans, and give other businesses The bank's
personal credit risk management provides reference for reference.
Keyword: Commercial Bank； Personal credit；Risk management。