联系我们

论文查询结果	返回搜索

论文编号：	8249
作者编号：	2120132696
上传时间：	2016/6/5 10:44:07
中文题目：	外资金融机构个人信贷风险管理研究
英文题目：	Research on Personal Credit Risk Management of Foreign Financial Institutions
指导老师：	马连福
中文关键字：	外资金融机构；个人信贷；风险管理
英文关键字：	personal credit risk management; foreign banks; financial institutions
中文摘要：	随着外资金融机构不断进入我国个人金融领域，我国的个人信贷模式也在不断转变。传统的个人信贷风险管理在面对不断变化的个人信贷业务模式也需要不断调整改变。众所周知，信贷业务是金融机构的核心业务之一，是其经营性收入的主要来源，同时也是其平稳运行与成长的关键。与此同时在当今市场经济环境下，信贷业务也是银行等金融机构核心竞争力和市场价值的主要考量因素之一。但是长期以来，我国金融机构在个人信贷风险管理中存在着不少制度缺陷，而在具体实务操作中又存在着一定程度的主观性、盲目性和随意性。这种信贷风险管理缺陷长久以来已经成为制约我国金融机构个人信贷业务发展的一个壁垒。与我国银行等金融机构个人信贷业务风险管理不同的是，外资金融机构在个人信贷业务的风险管理上依靠的往往是更为先进与科学的手段。相比较几十年前人们对个人信贷还趋于比较保守的认知，目前的个人信贷领域非常广泛。个人信贷已经渗透到了人们生活的方方面面。这种变化也表明了信贷发展对于人们生活的影响是巨大的。与过去人们认知的个人信贷模式不同，如今人们在选取个人信贷的机构时有了更多也更全面的选择，例如银行、信贷公司，网络平台等等。在众多选择平台中，外资金融机构是一个不容忽视的力量。相对于传统的受理个人信贷业务的机构，外资金融机构有着先天优势，借助在资本主义国家市场经济条件下几十年来的经验与模式，外资金融机构在处理个人信贷业务时往往代表着高效，迅速与准确。其在风险管理中大量运用科学准确的风险识别评估系统与审批操作系统。但是随着外资金融机构个人信贷业务在我国的不断发展，其风险管理也暴露出了许多问题。例如，由于水土不服、对我国民众个人信贷心理定位不准、客户样本较小、风险管理经验缺失等等使得外资金融机构在个人信贷风险管理上面临着多种挑战。而如何应对这些挑战，解决具体风险管理操作中遇到的问题，不断完善风险管理体系也成为了外资金融机构开展信贷业务急需解决的难题。本文就目前我国外资金融机构个人信贷业务的经营现状及其风险管理遇到的问题进行了研究，提出了相应的解决办法与改进措施，对外资金融机构在我国个人信贷业务的发展具有一定的理论与实际意义。
英文摘要：	Nowadays, foreign banks and financial institutions are very common to Chinese people. One of the most profitable businesses of these foreign financial institutions is individual credit business. Individual credit business of foreign financial institutions includes secured and unsecured personals, overdraft, personal line of credit, credit cards and other personal credit related business. Different from individual credit business of Chinese financial institutions, these business from foreign banks and other financial institutions always mean effective and efficient applying channels, frequent and excellent service, and quality after-sales feedback. These advantages attract more and more people choosing foreign banks and financial institutions as their first credit banks. The customer preference of these foreign financial institutions are no longer belongs to stable middle class. More and more young people like recent college graduates, housewives and low income earners begin to choose foreign banks as their first choice banks. The more customers mean more profit, but it also leads to high credit risk. Because of different social political economy environment, credit risk management of these foreign institutions in their mother country is very different from that of China. Personal credit risk management in the host country is very significant to foreign banks and other foreign financial institutions. Credit risk management plays a very critical role in the process of development of foreign financial institutions in China. This paper mainly focuses on study of credit risk management of foreigner financial intuitions in China. Based on study of the definition of credit risk, classification approach and research models, this paper analyze some vital defects of existing risk identification support systems. And also based on the statistical?data?of?existing credit risk management models, this paper makes an empirical?study?by using a?model?analysis.??This paper also introduces Standard Charter bank and its credit business. Base on the research of Stander Charter bank, this paper put forward some improved suggestions which have both theoretic importance and practical significance.
查看全文：	预览  下载(下载需要进行登录)