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论文编号：	7574
作者编号：	2220110281
上传时间：	2015/6/15 17:19:55
中文题目：	C银行零售信贷业务信用风险管理研究
英文题目：	Credit Risk Management Research of Retail Credit Business of C Bank
指导老师：	黄福广 教授
中文关键字：	C银行；零售信贷；信用风险；预警监控
英文关键字：	C bank; retail credit; credit risk; early warning and monitoring
中文摘要：	自从上世纪70年代之后,关于世界金融一体化和经济全球化的趋势越来越明显,各个国家相互之间的经济往来越来越频繁，频率和速度不断增加，导致经常性的发生金融危机。作为商业银行发展的基石之一,风险管理是永恒的主题,所以商业银行最主要的一项职能就是承担风险责任。现在，由于我们的经济社会正在高速发展，人们的消费水平逐渐增加致使市场扩大，相对应的风险管理也受到非常大的挑战。只有提前对风险做好应对方法，制定一套高效的、完善的保护系统，才能够避免风险的困扰，在现代竞争中处于有利地位。而信用风险是银行所有风险中非常关键的部分。 近些年来，中国房地产行业发展速度较快，购房者日益剧增，购房贷款需求也随着飙升，这直接造成了国内个人银行贷款业务迅速发展，商业银行的这一业务也在飞速发展。与此同时又有许多的问题随之而来：零售信用方面的风险管理。前几年，在美国发生了相当严重的次贷危机给我们上了一次重要的教育课。目前看来我国的经济虽然不会发生像次贷危机那样的情况，但是现如今世界经济形势复杂，风险增加，一定要对零售贷款进行加强管理，控制它的发展，使得我国的贷款业务保持正常稳定的发展。由于C银行的这一业务正在迅猛发展，该银行对于这方面的管理也越加重视，但距离外国的管理水平仍然相差很大。 本文主要是通过研究外国的比较先进的管理办法，对比找出C银行管理不足的地方进行改进，从而完善C银行在零售信贷方面的管理方法，并提出自己的见解。为了能更清晰地形成对信用风险管理现状的具体对比和分析，文章中首先对国内国外一些先进的管理系统进行了详细的讲解和分析，随后对C银行零售信用风险管理的现行组织架构进行了分析，最后提出了C银行零售信贷信用风险管理措施。
英文摘要：	Since the 1970s,integration and financial globalization of the world economy further accelerated,capital flows between countries is also growing, flowing faster and faster,financial crisis, the economic crisis broke out frequently.As one of the cornerstones of the development of the commercial banks,risk management is an eternal theme,the risk of commercial banks is the most important economic functions.Currently, in the face of economic and social as well as the rapid development of the consumer market,risk management of commercial banks are suffering unprecedented challenges.Only a mature, sound risk prevention and control system,continue to strengthen risk management,in order to ensure an invincible position in the competition.In the various risks of commercial banks which,credit risk is particularly important. In recent years,China's real estate market booming,increased demand for consumer loans,has led to the country's rapidly growing loan market,retail credit business of commercial banks has made considerable progress,personal loans accounted for the proportion of total loans increased year by year.But it also brings a very important question:retail Credit Risk Management.In recent years,American subprime mortgage crisis for our retail credit risk control sounded the alarm.Although China does not have the objective conditions of the sub-prime crisis,however, in the current complex economic situation,strengthen the retail lending risk control,ensure the healthy and stable development of the retail lending market is necessary.In recent years, the rapid development of the postal savings bank based retail credit scale,the bank is also increasing emphasis on retail credit risk management,however, compared with the advanced credit risk management,still in the relatively backward level. In order to form the current situation of the credit risk management and analysis of specific contrast more clearly, this paper the characteristics of the current credit risk management system advanced commercial banks are described and analyzed,Then the current organizational structure of retail C bank credit risk management is analyzed,Finally, the C bank and retail credit risk management measures.
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