浅析商业银行个人信贷业务的风险.docVIP

最近几年，我国经济发展在一定程度上出现困难，商业银行改革十分艰 难，它的抗风险能力也在逐渐下降。当市场稍微有点变化，营销出现困难时， 资金运动立即被阻断，偿债能力大大降低，直接影响到银行贷款资金的安全 性。在这种情况下，商业银行个人信贷业务也受到一定影响。随着个人信贷业 务的极速发展，个人信货业务已成为商业银行的一项重要资产项冃，之前有很 少数人可以接受信用消费，现在它却已经成为我们的重要消费形势之一。但个 人信贷业务在发展的同时其产生的风险也接踴而至，所以在如何降低商业银行 个人信贷业务风险这个问题上我们还需要花费时间和精力。 关键词：商业银行；个人信贷；风险分析 Abstract In recent years, the economic development of our country is difficult to some extent, the reform of commercial banks is difficult, and the ability of resisting risks is relatively low. When the market changes slightly and the marketing becomes difficult, the capital movement is blocked immediately, and the ability to repay debt is greatly reduced, which directly affects the security of bank loan funds. In this case, commercial bank personal credit business is also affected. Few people used to accept credit spending, but now it has become one of our important consumption situations. With the rapid development of personal credit business, personal credit business has become an important asset item of commercial banks, but personal credit business is developing. At the same time, the risks are coming, so we need to spend time and energy on how to reduce the risk of personal credit business of commercial banks. Keywords： commercial bank, personal credit, risk analysis 目录 TOC \o 1-5 \h \z 摘要 I HYPERLINK \l bookmark0Abstract II 1?绪论 1 1?1硏究背景 1 1.1.1研究背景 1 1.2问题的提出 1 1.1.3研究意义 1 1.2相关研究综述 2 HYPERLINK \l bookmark4我国商业银行个人信贷业务风险状况 3 2.1我国商业银行总体个人信贷业务 3 2商业银行个人信贷业务的主要特征 5 2.2. 1贷款额度小、笔数大、过程比较复杂 6 2. 2个人贷款具有周期性 6 2. 2. 3竞争激烈 6 2. 2. 4贷款风险比较分散 6 HYPERLINK \l bookmark62. 3我国商业银行个人信贷业务风险分析 6 2.4风险产生的原因 7 2. 4.1信贷法规体系尚不完善 7 2. 4. 3抵押变现处置多有漏洞 7 2. 4. 4贷款利率未完全市场化 8 2. 4. 5个人信用体系还不健全 8 2. 5我国商业银行个人信贷风险类型 8 2. 5. 1系统风险 8 2. 5. 2非系统风险 10 3?我国商业银行个人信贷业务风险控制问题分析 10 3.1思想认识不到位，贷后管理意识淡薄 10 3.2工作职责不到位，贷后管理流于形式 11 3.3激励机制不到位，贷后管理缺乏动力 11 4人员编制不到位，贷后职位只是名义上的 11 3.5技术手段不到位，贷后管理创新不足 11 6银行与客户信息不对称，贷后管理存在隐患 11 HYPERLINK \l bookmark8政策建议 12 4.1增强影响个人信贷业务的政策研究 12 2提升个人信贷业务的风险管理理念 12 4. 3提高银行从业