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论文编号：	14785
作者编号：	2320213790
上传时间：	2024/6/11 9:08:00
中文题目：	Y银行天津分行个人经营性贷款业务风险管理研究
英文题目：	Research on credit risk Management of Individual Operating Loan of Bank Y Tianjin Branch
指导老师：	卿志琼
中文关键字：	商业银行；风险管理；个人经营性贷款
英文关键字：	Commercial bank; Risk management; Personal business loans
中文摘要：	近年来，随着我国经济发展的不断增速和金融市场的日益创新，人民生活质量不断的提高和改善，人们的融资需求大量增加，国内的银行业也在进一步的改革发展，其中，商业银行成为消费金融发展的主导力量。为快速提升商业银行的战略地位，促进业务的多元化发展，零售经营性贷款业务中个人经营性贷款业务已成为商业银行的重点聚焦领域，商业银行对此也进行了产品创新，进行了规模化发展，存款与贷款之间的利息差成为了商业银行的重要盈利手段。然而，在商业银行个人经营性贷款业务蓬勃发展的同时，也存在着诸多风险管理问题，例如信息不对称、无法全面识别风险、风险管理机制及内部控制体系不完善、风险防范手段落后、网点吸收贷款能力不均衡等等，这些问题将导致银行无法及时判断客户的潜在风险，客户违约率上升，直接影响商业银行的利润，不容忽视。商业银行的成功与失败在很大程度上取决于其有效管理信贷风险的能力。银行个人经营性贷款业务的发展和盈利能力直接受到信贷风险管理能力的制约和影响。因此，商业银行需要重点关注如何有效管理个人经营性贷款业务的风险，这是一个非常重要的课题。 本文以Y银行天津分行为研究对象，通过分析个人经营性贷款业务的发展现状，发现业务的风险成因，剖析商业银行风险管理基本流程，分析业务的独特性，本文通过大量检索查阅国内外相关文献，提升对风险管理理论的认识，提升风险识别能力，运用信贷管理理论，信息不对称理论，风险控制理论，发现风险管理存在的问题，并提出相应的改进对策，识别与评价个人经营性贷款业务的风险，找到应对与控制措施。从而进行有效的风险度量，健全风险防控机制，加快商业银行全面风险管理体系的建设，促进商业银行蓬勃有序的发展。 论文将风险管理理论应用到Y银行天津分行个人经营性贷款业务的风险管理中，具有一定的应用创新价值。论文通过将风险矩阵的模型，应用到商业银行个人经营性贷款业务的风险管理中，能有效的完善内部控制体系，优化结构，降低个人经营性贷款业务风险，起到重要的保障作用。研究论文在指导我国商业银行开展个人经营性贷款业务的风险管理方面，具有一定的参考意义和价值。
英文摘要：	In recent years, with the continuous acceleration of China's economic development and the increasing innovation in the financial market, the quality of life of the people has been continuously improving, and the demand for financing has greatly increased. The banking industry in China is also undergoing further reform and development, among which commercial banks have become the leading force in the development of consumer finance. To quickly enhance the strategic position of commercial banks and promote the diversified development of business, retail operational loan business, especially individual operational loans, has become a key focus area for commercial banks. Commercial banks have also innovated products and developed them on a large scale, with the interest difference between deposits and loans becoming an important means of profit for commercial banks. However, while the business of individual operational loans in commercial banks is flourishing, there are many risk management problems, such as information asymmetry, inability to fully identify risks, incomplete risk management mechanisms and internal control systems, outdated risk prevention measures, and uneven loan absorption capacity of branches, etc. These problems will lead to the bank's inability to timely judge the potential risks of customers, an increase in customer default rates, and directly affect the profits of commercial banks, which cannot be ignored. The success or failure of commercial banks depends on the effective management of credit risk. The development and profitability of the bank's individual operational loan business are directly constrained and affected by the ability to manage credit risk. Therefore, how commercial banks deal with the risk management of individual operational loan business has become a top priority. This thesis takes the Tianjin branch of Y Bank as the research object, analyzes the development status of individual operational loan business, identifies the causes of business risk, dissects the basic process of risk management in commercial banks, and analyzes the uniqueness of the business. Through extensive review of relevant domestic and international literature, this paper enhances the understanding of risk management theory, improves risk identification ability, applies credit management theory, information asymmetry theory, risk control theory, identifies problems in risk management, and proposes corresponding improvement strategies. It identifies and evaluates the risks of individual operational loan business and finds measures to deal with and control them. Thus, it effectively measures risk, strengthens risk prevention mechanisms, and accelerates the construction of a comprehensive risk management system for commercial banks, promoting the vigorous and orderly development of commercial banks. This thesis applies the risk matrix model to the risk management of commercial bank individual operational loan business, which can effectively improve the internal control system, optimize the structure, and reduce the risk of individual operational loan business, playing an important protective role. The research of this paper has certain guiding significance and reference value for the implementation of individual operational loan business risk management by commercial banks in China.
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