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论文编号：	10741
作者编号：	2120163004
上传时间：	2018/12/9 21:29:35
中文题目：	国有商业银行个人消费信贷风险管理研究——以N支行为例
英文题目：	Research on Risk Management of Individual Loan in State-owned Commercial Banks——Take N Branch as an Example
指导老师：	齐岳
中文关键字：	国有商业银行;个人消费信贷;风险管理
英文关键字：	State-owned commercial banks; Individual loans; Risk management
中文摘要：	今年是改革开放四十周年，在这风雨兼程的四十年里，中国始终坚持社会主义市场经济体制，国民经济取得了显著发展，居民生活水平逐渐提高，人们重新树立消费观念，由原先的过度储蓄向贷款消费转变。消费是拉动经济增长的三驾马车之一，是扩大内需的有力手段。为了满足人们日益增长的消费需求，商业银行竞相推出个人消费信贷产品，如个人住房贷款、个人商业用房贷款、国家助学贷款、个人大额消费品贷款等，逐步形成了以传统的个人住房贷款业务为重点，多种新兴个人消费贷款品种并存的发展模式。 商业银行是经营货币的特殊组织，以存贷款利息差额作为主要收入来源，然而收益与风险是一枚硬币的正反两面，二者相生相伴，共同存在，商业银行在发放贷款获取经济利益的同时必然会面临不同程度的风险。我国商业银行个人消费信贷开始于上个世纪80年代中期,随着我国福利分房制度的取消，住宅市场实施商品化改革，以国有商业银行为主导的个人购房贷款业务得到了长足的发展。近些年来，居民购物、旅游、求学、装修等消费需求日趋旺盛，越来越多的个人资金需求者纷纷向商业银行申请不同种类的个人消费贷款，使得商业银行个人消费信贷业务的整体规模呈现出指数型上涨的态势。但是在信贷规模快速增长的同时，国有商业银行的信贷风险管理体系建设却相对滞后，风险管理水平往往不能跟上信贷业务发展的速度。个人消费信贷业务的发展没有严密的风险管理体系作为支撑，会导致风险事件和损失的发生，使得银行在经营发展过程中面临重重困难。除此之外，巴塞尔银行监管委员会和国内的监管机构也对于商业银行信贷风险管理提出了一定的要求，建立健全完善的个人消费信贷风险管理体系变得十分紧迫。 本文以N支行为例，深入研究国有商业银行个人消费信贷业务的发展现状、存在的风险管理问题以及风险管理对策，并选取N支行个人消费信贷业务中的两个典型个人信贷产品进行着重分析和研究，分别为个人购房贷款和国家助学贷款，结合实践经验，根据日常工作中发现的问题，提出风险管理优化建议，旨在促进国有商业银行个人消费信贷的持续健康发展，防范并化解金融风险。
英文摘要：	This year marks the 40th anniversary of China's reform and opening-up. Over the past four decades, China has always adhered to the socialist market economy system. The national economy and the living standards of residents both make remarkable progress. People have re-established the concept of consumption and changed from excessive savings to loan consumption. Consumption is one of the three engines of economic growth and an effective method to expand domestic demand. Commercial banks compete to launch multiple individual loan products to meet people's consumer demand. With the personal housing loan business as the focus, a variety of emerging individual loan products mutual development pattern is formed. Commercial banks operate currency and earn profit based on the interest margin. However, benefit and risk are the two sides of a coin. Commercial banks will face different degrees of risks while issuing loans to obtain benefits. China's individual loan of commercial bank started in the middle of 1980s. The growth of personal consumption demand promotes the commercial banks to achieve exponential development of individual loan scale. However, with the rapid growth of loan scale, the construction of risk management system in state-owned commercial banks is relatively backward, and the risk management level often cannot keep pace with the expansion of loan scale. This situation will lead to risk events and losses, making commercial banks face many difficulties in the process of operation and development. In addition, the Basel committee on banking supervision and domestic regulators also put forward specific requirements for risk management of commercial Banks. In this case, it becomes urgent to establish a complete individual loan risk management system. Taking N branch as an example, this paper conducts the study on the development situation, risk management issues and optimization recommendations of individual loan in state-owned commercial banks. It aims to explore the methods of individual loan risk management, which is significant for not only promoting the sustainable and stable development but also preventing and resolving financial risks of state-owned commercial banks.
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