MBA学位论文
作者：樊天瑜
A银行个人消费信贷风险防范策略研究
A银行个人消费信贷风险防范策略研究
摘要
根据德勤2020年报告，未来银行重要的盈利点在于消费信贷。自2020年
疫情以来，消费信贷在区域调整、民生改善、对外开放、科技创新等方面仍有
许多发展机遇。然而伴随着个人消费信贷的快速扩张发展，随之而来的风险和
隐患不容忽视。目前，A银行对个人消费贷款风险不够重视，对个人消费贷款
风险防范不足，这不仅造成了可能暴露的个人消费信贷风险隐患，也将在未来
制约A银行个人消费信贷业务的健康发展。
本文首先阐述了个人消费信贷相关定义和全面信贷管理等理论，并结合实
际情况，介绍了A银行个人消费信贷总量、结构等情况，识别出A银行个人消
费信贷风险，并进行成因分析，制定出针对性的A银行个人消费信贷风险四大
防范策略，最后提出三大保障措施，从而为A银行个人消费信贷的稳健发展保
驾护航。
本文的研究对于A银行个人消费信贷业务良好运作有很大意义，而且有助
于促进A银行的稳健发展。通过A银行个人消费信贷风险防范策略研究，可以
解决目前A银行存在的个人消费信贷问题，有助于A银行进一步提高竞争力，
对于西北城商行的良好发展发挥更多积极的作用，而且对于其他地区中小银行
也有一定的借鉴意义。
关键词：个人消费信贷，风险防范，风险评估
I

MBA学位论文
作者：樊天瑜
A银行个人消费信贷风险防范策略研究
Study on Risk Prevention and Control Strategy of
Personal Consumption Credit in A Bank
Abstract
According to Deloitte's 2020 report,the important profit point for banks in the
future lies in consumer credit.Since the 2020 epidemic,consumer credit still has more
development opportunities in areas such as regional adjustment,improvement of
people's
livelihood,opening
to
the
outside
world,and
technological
innovation.However,with the rapid expansion and development of personal
consumer credit, the risks and hidden dangers that follow cannot be ignored. At
present, A Bank does not pay enough attention to personal consumption loan risks
and insufficient prevention of personal consumption loan risks.This not only causes
potential personal consumption credit risks that may be exposed,but also restricts the
healthy development of A Bank's personal consumption credit business in the future.
This article first expounds the definition of personal consumption credit and
theories of comprehensive credit management,combined with the actual
situation,introduces the total amount and structure of personal consumption credit of
A Bank,identifies the personal consumption credit risk of A Bank,and conducts cause
analysis to formulate.It formulated four targeted prevention strategies for personal
consumption risks of A Bank, and finally put forward three safeguard measures, so
as to escort the steady development of A Bank's personal consumption credit.
The research in this article is of great significance to the sound operation of
Bank A’s personal consumer credit business,and helps to promote the steady
development of Bank A.The research on bank A’s personal consumer credit risk
prevention strategy can solve the current personal consumer credit problems of Bank
A,help Bank A further improve its competitiveness,and play a more active role in the
sound development of northwest city commercial bank.Small and medium-sized
banks in the region also have certain reference significance.
Keywords:Personal consumption credit,risk prevention and control,risk
II

MBA学位论文
作者：樊天瑜
A银行个人消费信贷风险防范策略研究
assessment
III
。。。以下略