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论文编号：	14317
作者编号：	2320213806
上传时间：	2023/12/11 20:11:59
中文题目：	B银行消费金融业务风险管理研究
英文题目：	Research on Risk Management of Consumer Finance Business of B Bank
指导老师：	王曼舒
中文关键字：	商业银行；消费金融；风险管理；信用风险
英文关键字：	Commercial Bank; Consumer Finance; Risk Management; Credit Risk
中文摘要：	近年来，随着国家积极促进居民消费，逐步提升的居民消费水平很大程度上促进了消费金融行业的蓬勃发展。随着与互联网和人工智能的的逐渐融合，消费金融业务相较于传统金融业务在展业方式、受众客群和风险特征上有了很大的差别，这些变化同时伴随着相关监管体系不够完善，原有的相关政策未得到及时更新等风险点，不良贷款总额逐年攀升。B银行作为较早布局消费金融业务的全国性股份制商业银行，占据了发展先机，依托大数据、人工智能、云计算等创新技术手段，经过多年了发展积累，在业务发展了实现了规模化，也在风险管理上取得了一定的经验，同时也暴露出了一些风险问题。 本文以预期收入理论、长尾理论、信息不对称理论为基础，综合运用文献分析法、案例研究法和数据分析法等方法，紧紧围绕“B银行消费金融业务风险管理”这一主线展开研究。首先以B银行消费金融业务产品及流程为切入点，对B银行消费金融业务的风险现状进行了论述与分析。其次，通过分析B银行的风险管理架构，并进一步解析了消费金融业务的风险管理机制，继而归纳总结出B银行消费金融业务在风险管理过程中存在的问题。然后，根据B银行的实际情况有针对性的提出了改善方案。最后，基于以上改善方案提出了保障性实施措施。 本文认为，B银行消费金融业务风险管理存在信用风险识别能力不强、未建立有效的风险监控体系、模型风险管理缺失等问题。基于以上问题，本文有针对性的提出了通过扩宽信用信息维度、优化信用风险模型、设计差异化风险模型来提高风险识别能力，在设计贷中预警管理流程、实现客户分层预警并优化额度调整体系的基础上完善风险监控预警体系，按照监管具体要求构建模型风险管理体系等优化措施，并为了确保上述优化措施的有效运行，从制度保障、组织保障、人员保障和数字化支持四个方面提出了保障措施，可以改善B银行目前面临的风险管理问题，完善风险管理架构体系，从而提升资产质量，助力业务健康有序发展。
英文摘要：	In the recent past, there has been a substantial enhancement in the living standards of its inhabitants. This augmentation in consumer expenditure has been instrumental in catalyzing the robust expansion of the consumer finance sector. With the ongoing amalgamation of consumer finance with digital platforms and artificial intelligence, the modus operandi, target demographics, and risk profiles of these services have begun to diverge substantially from their traditional counterparts. Concurrently, this evolution has brought to light certain lacunae in the extant regulatory framework, anachronistic policy paradigms, and a surge in non-performing assets.Bank B, epitomizing a pioneering national joint-stock commercial entity, astutely capitalized on the nascent phase of this trend. Harnessing avant-garde technological paradigms like big data, artificial intelligence, and cloud-based solutions, and fortified by years of strategic forays and knowledge consolidation, it has not only scaled its consumer finance operations but also acquired invaluable insights into risk management. Nonetheless, this journey has also unveiled certain areas of vulnerability pertaining to risk. Drawing upon the foundations of Expected Income Theory, Long Tail Theory, and Information Asymmetry Theory, this study employs a comprehensive approach that integrates the methods of literature analysis, case study, and data analysis. It centers its research endeavors around the overarching theme of "Risk Management in Consumer Finance Business at Bank B" .Initially, it delves into the consumer finance products and procedures of Bank B, providing a comprehensive analysis of the present risk landscape of Bank B's consumer finance operations. Subsequently, an examination of Bank B's risk management structure reveals insights into the risk management mechanisms intrinsic to consumer finance. Utilizing an inductive summarization methodology, the study identifies prevalent challenges in Bank B's consumer finance risk management. Informed by the specific context of Bank B, the paper advances targeted strategies for enhancement. As a culmination, the study advocates for safeguarded implementation measures grounded in the proposed strategies. This research underscores several challenges in Bank B's consumer finance risk management, including an insufficient capacity for credit risk identification, an absence of a robust risk monitoring infrastructure, and a gap in model risk management. Based on the above issues, this article specifically proposes to improve risk identification capabilities by expanding the dimension of credit information, optimizing credit risk models, and designing differentiated risk models, designing loan early warning management processes, realizing customer tiered early warnings, and optimizing credit limits. On the basis of adjusting the system, we will improve the risk monitoring and early warning system, build a model risk management system and other optimization measures in accordance with specific regulatory requirements. In order to ensure the effective operation of the above optimization measures, we propose four aspects: institutional guarantee, organizational guarantee, personnel guarantee and digital support.Such refinements will not only elevate the integrity of the risk management architecture but also augment asset quality, thereby fostering the sustainable and structured progression of its operations.
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