IS鮮 I 丨丨 1mit1 1.1研傭;si 1.2研究目的与意义1 1.3国内外研宄现状2 1.4研宄内容及方法5 1.5论文创新点7 2概念界定与理论基础8 2.1客户群与客户群特征 8 2.2个人信用与信用风险 8 2.3个人消费信贷及其风险 9 2.4商业银行信贷风险管理的理论基础 10 2.5商业银行贷前风险控制的内容 11 3农行滨州分行个人消费信贷及风险管理现状 13 3.1农行滨州分行简介 13 3.2农行滨州分行分行个人消费信贷产品介绍 13 3.3农行滨州分行个人消费信贷的客户群及其风险现状 14 3.4农行滨州分行个人消费信贷客户群分类管理 22 4农行滨州分行个人消费信贷贷前信用风险识别机制及存在问题 24 4.1农行滨州分行个人消费信贷贷前信用风险识别机制 24 4.2农行滨州分行个人消费信贷贷前信用风险控制存在的问题 31 5农行滨州分行个人消费信贷贷前信用风险实证分析 34 5.1数据处理34 5.2基于Logistic模型的实证分析 36 6农行滨州分行个人消费信贷贷前信用风险管理建议 41 6.1加强个人消费信贷贷前管理团队建设 41 6.2完善个人消费信贷贷前管理的内部环境 42 6.3优化个人消费信贷贷前管理的手段 42 6.4建立基于客户群特征的个人消费信贷自动审批机制 43 7结论与展望46 参考文献 作者简历 致谢 学位论文数据集Contents ListofFigures I ListofTables D 1Introduction1 1.1Researchbackground 1 12Researchpurposeandsignificance 1 1.3Researchstatusathomeandabroad 2 1.4Researchcontentsandmethods 5 1.5Innovationofthepaper 7 2Conceptdefinitionandtheoreticalbasis 8 2.1Customergroupanditscharacteristics 8 2.2Personalcreditandcreditrisk 8 2.3Personalconsumercreditanditsrisks 9 2.4Thetheoreticalbasisofpre-loanriskmanagementincommercialBank—s U) 2.5Thecontentofpre-loanriskcontrolincommercialBanks ....11 3ConsumercreditandriskmanagementofAgriculturalBankofChinaBinzhoubranch.13 3.1IntroductionofagriculturalbankBinzhoubranch 13 3.2IntroductionofpersonalconsumptioncreditproductsofBinzhoubranchofAgricultural BankofChina13 3.3ThecustomergroupandriskstatusofpersonalconsumptioncreditinBinzhoubranch ofAgriculturalBankofChina 14 3.4AgriculturalBankofBinzhouBranchindividualconsixmercreditcustomergroup classificationmanagement 22 4Creditriskidentificationmechanismandexistingproblemsbeforeindividualconsumer CreditloanofAgriculturalBankofChinaBinzhouBranch 24 4.1CreditriskidentificationmechanismbeforepersonalConsumerCreditloanof AgriculturalBankofChinaBinzhouBranch 24 4.2ProblemsexistingincreditriskcontrolbeforepersonalConsumerCreditloanof AgriculturalBankofChinaBinzhouBranch 31 5EmpiricalAnalysisoncreditRiskbeforePersonalConsumerCreditLoanof AgriculturalBankofChinaBinzhouBranch 345.1Dataprocessing 34 52EmpiricalanalysisbasedonLogisticModel 36 6SuggestionsoncreditriskManagementbeforepersonalConsumerCreditloanof AgriculturalBankofChinaBinzhouBranch 41 6.1Strengthentheconstructionofthepre-loanmanagementteamforpersonalconsumer credit 41 6.2Improvetheinternalenvironmentofpersonalconsumercreditmanagementbefore lending41 6.3Optimizethemeansofpersonalconsumptioncreditmanagementbeforelending 42 6.4Establishtheautomaticapprovalmechanismofpersonalconsumercreditbasedon customercharacteristics 43 7ConclusionandProspect 46 References Author’sResume Acknowledgciuenis ThesisDataCollection图清单 图序号 图名称 I页gf 图1.1 图1.1技术路线图 ^ 6 Fig1‘1 Fig.1.1technologyroadmap 6 图3.1 图3.1不同年龄客户群不良率分布 16 Fig.3.1Distributionofdefectrateamon^customergroupsofdifferentFig.3.1 一 16 ages 图3.2 ^ 图3.2不同教育程度客户群消费贷款情况 Fig.3.2Fig.3.2Consumerloansofcustomerswithdifferenteducationallevels17 图3.3 ^ 图3.3不同职业客户群消费贷款情况 18 Fig.3.3 Fig.3.3Consumerloansofdifferentoccupationalgroups 18 图3.4 ^ 图3.4不同婚姻状况客户群消费贷款情况 Fig.3.4 Fig.3.4Customerbaseofdifferentmaritalstatusconsumerloans19 图3.5 〇 图3.5不同家庭月收入客户群消费贷款情况 ~ 20 ~ Fig.3.5Fig.3.5Differenthouseholdmonthlyirxomecustomersconsumerloans20 图4.1 ~ 图4.1滨州分行贷前管理部门设置 Fig.4.1Fig.4.1BinzhouBranchbeforetheloanmanagementdepartmentsetup25 图4.2 图4.2滨州分前风险管理人员专业结构 Fie.4.2Professionalstructureofpre-loanriskmanagementpersonnelin Fis.4.227。 BinzhouBranch 图4.3 图4.3滨州分行贷前风险管理人员学历结构 Fig.4.3Educationalstructureofpre-loanriskmanagementpersonnelinFig.4.3 ‘ 27 BinzhouBranch 图4.4 图4.4滨州分行贷前风险管理人员年龄结构 K Fia:.4.4Agestructureofpre-loanriskmanagementpersonnelinBinzhouFig.4.4" 28 Branch 图4.5 ~ 图4.5农行滨州分行贷前风险控制流程 29 " " Fi〇;.4.5Pre-loanriskcontrolprocessofAgriculturalBankofChina Fig.4.5 i 29 BinzhouBranch 图6.1 图6.1滨州分行自动审批机制 44 Fig.6.1 Fig.6.1AutomaticapprovalmechanismofBinzhouBranch 44 l表清单 表序号 表名称 页码 表3.1 表3.1滨州分行个人消费信贷产品 ^ 14 Table3.1 Table3.1BinzhouBranchpersonalconsumercreditproducts 14 表3.2 13.2州分行个人消费贷款要素 — Table3.2 Table3.2BinzhouBranchpersonalconsumptionloanfactors 14 表3.3 表3.3个人消费贷款客户群细分 15 Table3.3 Table3.3Customersegmentationofpersonalconsumptionloans 15 表3. ~ T " 表3.4不同性别客户群消费贷款情况 。 15 Table3.4Table3.4Consumerloansituationsofdifferentgendercustomergroups15 表3‘5 表3.5不同年龄客户群消费贷款情况表 16 Table3.5 Table3.5Consumerloansofcustomergroupsofdifferentages 16 表3.6 表3.6不同教育程度客户群不良情况 17 Table3.6Adversesituationofcustomergroupswithdifferent Table3.617 educationallevels 表3.7 表3.7不同职业客户群不良情况分布 18 Table3.7Distributionofadversecustomereroupsamonsdifferent Table3.7 ^ 18 occupations 表3了 表:).8不同婚姻状况客户群体不Iff况分布 > + 19 — Table3.8Adversedistributionofcustomergroupswithdifferentmarital Table3.8 ^ 19 status 表3.9 表3.9不同家庭供养人口数客户群消费贷款情况 2Q Table3.9Table3.9Consumerloansofcustomergroupswithdifferentdependants20 表3.10 表3.10不同家庭月收入客户群不良情况分布 21 Table3.10Distributionofpoorcustomerbaseofmonthlyincomeof「ablej.1021 differentfamilies 表3.TT ~ 表3.11不同户籍客户群消费贷款情况 21 Table3.11 Table3.11Consumerloansofdifferenthouseholdcustomergroups21 表3] 表3.12不同收入还贷比客户群消费贷款情况 22 Table3.12Consumerloansofcustomergroupswithdifferentincome Table3.1222 repaymentratios 表3.13 _ > 表3.13滨州f行不同客户群贷前准入管理 ~ 23 " " Table3.13Managementofpre-loanaccessfordifferentcustomer〇roups Table3.1323 ofBinzhouBranch 表4.I 表4.1个人贷款中心工作要点 25 Table4.1 Table4.1MainpointsofpersonalLoanCenter 25 表4.2 表4.2支行行长办公室工作要点 25 Table4.2 Table4.2MainworkpointsofbranchPresident'sOffice 25 表4.3 表4.3分行审查审批中心工作要点 26 Table4.3 Table4.3PointsofthereviewandapprovalCenter 26 表5. " TI 表5.1变量编码赋值表 |35 IITable5.1 Table5.1Variablecodingassignmenttable 35 表5了2 _ 表5.2庭检验结果表 3「 — Table5.2 Table5.2Tableoftestresultsforvariables 37 表5.3 表5.3信用风险影响因素logistic回归分析 38 Table5.3Table5.3Logisticregressionanalysisofinfluencingfactorsofcreditrisk38 ill山东科技大学硕士学位论文 1