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论文编号：	14054
作者编号：	2320200298
上传时间：	2023/6/8 10:26:47
中文题目：	AB银行个人信用贷款风险管理研究
英文题目：	Research on Personal Credit Loan Risk Management of AB Bank
指导老师：	王曼舒
中文关键字：	商业银行；个人信用贷款；风险管理
英文关键字：	Commercial Banks;Personal Credit Loans;Risk Management
中文摘要：	AB银行作为国有资产控股商业银行，个人信用贷款向来是AB银行的核心业务之一，在AB银行的贷款类业务之中占有重要地位。近年来，我国经济增速逐年放缓，叠加新冠疫情对国民经济的影响，个人类借款人对于短期信用贷款的需求增加，因此，近几年我国商业银行逐渐加大力度发展各类个人信用贷款业务。随着AB银行个人信用贷款业务的不断发展，伴随出现的信贷风险也在不断增加。做好信用贷款个人信用贷款风险管理，已经成为AB银行稳健发展个人信用贷款业务的重要前提。 本文以AB银行为研究对象，在研究过程中利用文献研究法以及调研与数据分析法对其个人信用贷款风险管理体系做深入的研究和探讨，将当今较为成熟的信用贷款风险管理理论及研究成果与AB银行个人信用贷款风险管理现状相结合，揭示其个人信用贷款风险管理体系存在的问题和不足，最后针对AB银行个人信用贷款风险管理中的问题从风险管理制度、信用评级模型、风险预警机制以及全面风险管理体系建设等方面对未来AB银行个人信用贷款风险管理的优化和完善提出一些建议。 本文通过对AB银行个人信用贷款风险管理进行的相关研究可知，AB银行现有信用管理体系不完善、金融工具和数字化水平落后是影响AB银行提升个人信用贷款风险管理水平的关键因素。为提升AB银行个人信用贷款风险管理水平，本文认为需要强化各级行风险管理水平，优化信用评级模型，构建现代化风险预警机制同时完善外部风险管理体系。在个人信用贷款规模不断扩大的趋势中，AB银行必须不断提高个人信用贷款风险管理水平，以此来提高自己在整个行业中的可持续发展能力。
英文摘要：	As a state-owned asset holding commercial bank, personal credit loans have always been one of the core businesses of AB Bank and occupy an important position in AB Bank's loan business. In recent years, China's economic growth rate has slowed down year by year, coupled with the impact of the new crown epidemic, individual borrowers' demand for short-term credit loans has increased. Therefore, in recent years, China's commercial banks have gradually increased their efforts to develop various types of personal credit loan business. With the continuous development of AB Bank's personal credit loan business, the accompanying credit risk is also increasing. Doing a good job in personal credit loan risk management has become an important prerequisite for AB Bank to develop its personal credit loan business steadily. This article takes AB Bank as the research object and uses literature research method and data analysis method to conduct in-depth research and discussion on its personal credit loan risk management system. It combines the more mature credit loan risk management theory and research results with the current situation of AB Bank's personal credit loan risk management system. It reveals the problems and shortcomings of its personal credit loan risk management system. Finally, it proposes some suggestions for optimizing and improving AB Bank's personal credit loan risk management in the future from aspects such as risk management system, credit rating model, risk early warning mechanism and comprehensive risk management system construction. Through the relevant research on AB Bank's personal credit loan risk management in this paper, it can be seen that AB Bank's existing credit management system is imperfect and its financial instruments and digitalization level are lagging behind are key factors affecting AB Bank's improvement of its personal credit loan risk management level. To improve AB Bank's personal credit loan risk management level, this paper believes that it is necessary to strengthen the risk management level of all levels of banks, optimize the credit rating model, build a modernized risk early warning mechanism and incorporate climate risk management into the risk management system. In the trend of continuous expansion of personal credit loans scale, AB Bank must constantly improve its personal credit loan risk management level in order to occupy an advantageous position in China's commercial bank competition.
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