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论文编号：	13600
作者编号：	2320200438
上传时间：	2022/12/4 22:49:00
中文题目：	ZX银行T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 T Branch of ZX Bank
指导老师：	王曼舒
中文关键字：	个人信贷业务；信贷风险；风险管理
英文关键字：	personal credit business；credit risk；risk management
中文摘要：	近年来，随着我国经济的快速发展，人们的消费能力持续增强，对个人信贷服务理念的接受度及需求也大幅提升。叠加银行业竞争加剧、获客难的现状，商业银行纷纷通过大力发展个人信贷业务获取优质客户，打造新的利润增长点。与此同时，个人信贷风险也在不断加大，逐渐暴露出商业银行在个人信贷业务风险管理中的问题。如不予以重视解决，将影响到商业银行个人信贷业务发展，甚至会影响商业银行整体经营战略。因此对该问题的研究希望可以对ZX银行T分行个人信贷业务风险管理提供可行性建议，对其他商业银行个人信贷业务风险管理提供一定的参考价值。 本文在借鉴国内外相关理论的基础上，运用了数据分析、实证分析等研究方法。首先介绍了商业银行个人信贷业务及风险相关概念，回顾并加强了基础理论支撑。其次，以ZX银行T分行为例，对个人信贷业务发展及风险管理现状进行分析，并结合风险实例进行阐述。再次，结合现状剖析了该行在个人信贷业务风险管理中存在的问题，并进行了内外部成因分析。最后，根据存在的问题提出了风险管理优化对策，有助于T分行进一步提高个人信贷业务风险管理水平，更好的保障业务健康持续发展。 本文认为，由于受T分行内部管理及外部环境影响，使得其个人信贷业务风险管理中存在着诸多亟待解决的问题，例如贷款三查存在缺陷、核销能力不足、潜在风险增加等，不仅将对其个人信贷风控管理造成困扰，更会对业务发展产生不利影响，因此需要从T分行个人信贷业务风险管理实际出发，通过不断完善制度体系、优化风险体系、持续构建业务管理体系等方面，进一步提升该行个人信贷业务体系化风控管理水平，护航业务平稳高质量发展，同时对银行业个人信贷业务风险管理起到积极的推动作用。
英文摘要：	In recent years, with the rapid development of China's economy, people's consumption ability has continued to increase, and the acceptance of and demand for the concept of personal credit services has also increased significantly. Combined with the intensified competition in the banking industry and the difficulty in customer acquisition, commercial banks have been vigorously developing their personal credit business to acquire high-quality customers and create new profit growth points. At the same time, the risk of personal credit is also increasing, gradually revealing the problems of commercial banks in the risk management of personal credit business. If not addressed, it will affect the development of personal credit business of commercial banks and even affect the overall business strategy of commercial banks. Therefore, the study of this issue hopes to provide feasible suggestions for the risk management of personal credit business of ZX Bank T branch and provide some reference value for the risk management of personal credit business of other commercial banks. Based on the relevant theories at home and abroad, this paper uses research methods such as data analysis and empirical analysis. Firstly, it introduces the concepts related to personal credit business and risk of commercial banks, reviews and strengthens the basic theoretical support. Secondly, the current situation of personal credit business development and risk management is analyzed with the example of ZX Bank T branch, and the risk examples are illustrated. Again, the problems in the bank's personal credit business risk management are analyzed in the context of the current situation, and the internal and external causes are analyzed. Finally, risk management optimization countermeasures are proposed based on the existing problems, which will help T Branch further improve the risk management of personal credit business and better ensure the healthy and sustainable development of the business. This paper argues that due to the internal management and external environment of Branch T, there are many problems that need to be solved in the risk management of its personal credit business, such as deficiencies in loan triple checking, insufficient underwriting capacity and increased potential risks, which will not only cause problems in the risk control management of its personal credit business but also adversely affect its business development, so it is necessary to start from the actual risk management of the personal credit business of Branch T. Therefore, it is necessary to start from the actual risk management of personal credit business of Branch T, and further improve the level of systematic risk control management of the bank's personal credit business by continuously improving the system system, optimizing the risk system, continuously building the business management system and strengthening the risk culture construction, so as to escort the smooth and high-quality development of the business and play a positive role in promoting the risk management of personal credit business in the banking industry.
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