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论文编号：	10818
作者编号：	2120162811
上传时间：	2018/12/12 14:16:08
中文题目：	NY银行天津分行个人信贷业务风险管理研究
英文题目：	Research on the Personal Credit Risk Management of Tianjin Branch of NY Bank
指导老师：	张耀伟
中文关键字：	个人信贷；信贷风险；风险管理；NY银行
英文关键字：	Personal credit; Credit risk; Risk management; NY bank
中文摘要：	近年来，随着我国经济和人民生活水平的提高，以及人民消费理念的转变，我国商业银行如雨后春笋般成长，个人信贷业务也水涨船高，其本身“占用少、风险低、质量高、盈利多”等特点，充分推进了各商业银行对该业务的重视程度。再就是随着我国银行业竞争越来越大，互联网金融抢占市场份额，导致各大商业银行高度重视这部分市场份额的快速扩张和拓展。但是与此同时，我国发展个人信贷业务的风险管理起步较晚，并未完成可靠、系统的防范手段和理论依据，随着经济逐渐呈现下滑趋势，我国个人信贷业务所面临的风险也与日俱增。如不及时加以研究和重视，个人信贷业务风险必将持续扩大，进而影响到个人信贷业务乃至整个商业银行等金融系统的持续健康发展,个人信贷业务风险控制亟待解决。 本文从研究课题的基本概念和理论基础入手，简要分析目前NY银行天津分行个人信贷业务和风险管理的现状，总结出其个人信贷业务风险管理中存在的个人住房贷款占比过高、贷前调查不尽职、贷后管理不到位等问题，并且从NY银行天津分行的外部环境与内部管理两个角度来进行问题成因的深入剖析，进而在此基础之上提出包括提高对外部形势的研究和应对能力、巩固内控制度、加强个人信贷业务全流程管理、完善个人信贷业务风险预警机制以及建立合作方管理机制等具有针对性的对策。希望通过对NY银行天津分行个人信贷业务风险管理问题成因的剖析以及所提出的解决之道，能够提升NY银行天津分行个人信贷业务风险管理的能力和水平，在激烈的金融市场竞争中处于不败之地。同时也希望通过本文能够对其他商业银行个人信贷业务风险管理水平提升，乃至我国整个金融系统的稳定发展，起到积极的推动作用。
英文摘要：	In recent years, with the improvement of our country's economy and people's living standards, and the transformation of people's consumption philosophy, our country's commercial banks have mushroomed, and the personal credit business has also developed rapidly. Because its own advantages of less economic capital, scattered risk, high asset quality, and large profit space, it is that with the increasing competition in China's banking industry, Internet finance has seized market share, leading major commercial banks to be optimistic about and compete for personal credit business. Due to the late start of the development of personal credit business in China, the research is not yet thorough. With the development of the financial environment and the expansion of individual credit business, the risks of individual credit business are also increasingly exposed. If they are not studied and valued in a timely manner, the risks of individual credit business will continue to expand. Then it affects the continuous and healthy development of individual credit business and even the whole financial system such as commercial banks. This paper starts with the basic concepts and theoretical basis of the research topic, briefly analyzes the current status of personal credit business and risk management of NY Bank Tianjin Branch, and concludes that the proportion of personal housing loans in the personal credit business risk management is too high, pre-lending investigation Insufficient management, post-loan management is not in place, and from the perspective of the external environment and internal management of NY Bank Tianjin Branch to conduct an in-depth analysis of the causes of the problem, and then based on this, including research and response to the external situation Targeted countermeasures such as capacity, consolidation of internal control, strengthening of the whole process management of personal credit business, improvement of personal credit business risk early warning mechanism and establishment of partner management mechanism. It is hoped that through the analysis of the causes of the risk management problem of personal credit business of NY Bank Tianjin Branch and the proposed solution, the ability and level of risk management of personal credit business of NY Bank Tianjin Branch can be improved, and it is undefeated in the fierce financial market competition. place. At the same time, I hope that this paper can play a positive role in promoting the risk management of personal credit business of other commercial banks and the stable development of the entire financial system in China.
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