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论文编号：	13414
作者编号：	2320180376
上传时间：	2022/6/15 5:35:31
中文题目：	基于监管政策调整下的B银行互联网贷款管理策略研究
英文题目：	Research on Internet Loan Management Strategy of B Bank Based on Regulatory Policy Adjustment
指导老师：	邢金刚
中文关键字：	商业银行；互联网贷款；策略研究
英文关键字：	Commercial banks; Internet loans; operational research
中文摘要：	2020年5月，为规范商业银行互联网贷款业务经营行为，促进互联网贷款业务平稳健康发展，银保监会起草了《商业银行互联网贷款管理暂行办法（征求意见稿）》，对商业银行互联网贷款业务的定义和范畴、参与资质、发放余额、授信和风控、数据与模型、联合贷款及其额度、催收合作等多方面做了详细规定。《商业银行互联网贷款管理暂行办法》已于2020年7月12日起施行。2021年2月19日，银保监会发布《中国银保监会办公厅关于进一步规范商业银行互联网贷款业务的通知》，作为对2020年《商业银行互联网贷款管理暂行办法》的补充，其实质上是对银行与互联网小贷机构的合作方式作了严格限制，同时各类与银行合作放贷的互联网小贷尤其头部机构也受到较大冲击。 互联网贷款管理办法的陆续出台标志着对于商业银行互联网贷款监管向严的趋势，对银行新业务产生的新风险有了更清晰的认识，也对商业银行的自主风控能力提出了更高要求。互联网贷款业务在过去的很长一短时间里存在风险管理不审慎、金融消费者保护不充分、资金用途监测不到位等问题和风险隐患。监管政策的相继出台一方面是从风险监管角度补齐制度短板，另一方面也将促进互联网贷款业务规范有序发展，对商业银行业务发展定位影响深远。 本文梳理了当前B银行互联网贷款业务的现状，存在的问题等，结合当前宏观经济形势变化及监管政策的最新要求，分析了B银行基于互联网贷款监管政策调整下的策略和发展方向，对于企业具有实际指导意义。通过使用相关理论和分析工具，分析了B银行由监管政策变化可能引发的管理问题，并就市场细分、目标客户定位、业务开发和风险控制等方面提出了相应策略，通过优化组织保障、丰富制度保障、强化人才保障、引进技术保障等实施保障举措，实现B银行高质量可持续发展的整体发展目标。同时将环境分析理论工具应用于商业银行互联网贷款业务竞争领域，对其他商业银行互联网贷款业务发展及策略选择具有参考意义。
英文摘要：	In May 2020, in order to standardize the operation of Internet loan business of commercial banks and promote the stable and healthy development of Internet loan business, the cbcirc drafted the Interim Measures for the administration of Internet loan of commercial banks (Draft for comments), which defined the definition and scope of Internet loan business of commercial banks, participation qualification, issuance balance, credit and risk control, data and model Joint loan and its amount, collection cooperation and other aspects shall be specified in detail. The Interim Measures for the administration of Internet loans of commercial banks have been implemented since July 12, 2020. On February 19, 2021, the China Banking and Insurance Regulatory Commission issued the notice of the general office of the China Banking and Insurance Regulatory Commission on further regulating the Internet loan business of commercial banks, which is a supplement to the Interim Measures for the administration of Internet loans of commercial banks last year. In essence, it strictly restricts the cooperation mode between banks and small Internet lending institutions, At the same time, all kinds of Internet small loans that cooperate with banks, especially head institutions, have also been greatly impacted. The successive introduction of Internet loan management measures marks the trend of strict supervision, has a clearer understanding of the new risks generated by the bank's new business, and also puts forward higher requirements for the bank's independent and controllable big data risk control ability. There are some problems and potential risks in the Internet loan business, such as improper risk management, inadequate financial consumer protection, inadequate monitoring of the use of funds and so on. On the one hand, the stricter supervision will supplement the shortcomings of the system, on the other hand, it will also promote the standardized development of Internet loan business, which will have a far-reaching impact on the business development of commercial banks. This paper combs the current situation and existing problems of bank B's Internet loan business. Combined with the current macroeconomic situation and the requirements of new regulatory policies, this paper analyzes the strategy and development direction of bank B's Internet loan business in response to stricter supervision, which has practical guiding value for enterprises. By using relevant theories and analysis tools, combined with the development status of bank B's Internet loan business, this paper analyzes the management problems that may be caused by the tightening of supervision, and puts forward countermeasures in terms of market segmentation, target customer positioning, business development and risk control Introduce technical support and other security measures to realize the competitive advantage of Internet loan business and realize the overall development goal of high-quality development of bank B. At the same time, the application of environmental analysis theory tools to the competitive field of Internet loan business of commercial banks has reference significance for the development and strategy selection of Internet loan business of other commercial banks .
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