论我国商业银行个人贷款业务的风险及其防范.docxVIP

论我国商业银行个人贷款业务的风险及其防范 摘要：改革开放以来，我国形成以市场自发调节为主，政府管控为辅的新经济体制。大力发展经济，金融行业呈现欣欣向荣的景象，特别是近几年来，国家经济总体呈不断上升的趋势，商业银行贷款业务，尤其是个人贷款业务总量飞速增长，但是随着而来的风险也不断显现。 本论文通过分析商业银行个人贷款业务的现状，进一步指出商业银行个人贷款业务中存在的风险并对其产生原因进行分析，最后提出解决存在的风险的防范对策。进一步发展完善我国商业银行个人贷款业务，推动中国银行业不断前进，提升国际影响力。 关键词：个人贷款业务，风险管理，风险  Analysis on Risk and Prevention of Personal Loan Business of Commercial Banks in China Abstract：Since the reform and opening up, a new economic system dominated by spontaneous market regulation and supplemented by government regulation has been formed in China. The economy has been developed vigorously. And the financial industry is showing a thriving scene. Especially in the recent years, the overall economy of China shows an increasing trend.. In terms of loan business of commercial banks, especially the personal loan business, the total amount is growing rapidly, however, the risks come with it are also constantly emerging. Through the analysis on the current situation of personal loan business of commercial banks, this article has further pointed out the risks existing in the commercial bank personal loan business and analyzed the causes. And finally put forward the countermeasures for solving the existing risks. To further develop and improve the personal loan business of Chinas commercial banks, promote the continuous advancement of Chinas banking industry, and enhance the international influence. Keyword：Personal loan business, risk management, risk  目 录 TOC \o 1-3 \h \z \u 第1章 绪 论 1 1.1研究背景和意义 1 1.1.1商业银行个人贷款业务的研究背景 1 1.1.2本课题的研究意义 1 1.2文献综述 2 1.2.1国内研究 2 1.2.2国外研究 2 1.3课题研究方法和内容 3 1.3.1研究方法 3 1.3.2研究内容 3 第2章 商业银行个人贷款业务的概述 4 2.1个人贷款业务的定义 4 2.2商业银行个人贷款业务的现状分析 4 第3章 个人贷款业务存在的风险及其产生的原因 6 3.1市场风险 6 3.2信用风险 7 3.3法律风险 7 3.4操作性风险 8 第4章 商业银行个人贷款业务风险防范的对策 9 4.1根据市场，积极做好风险预警机制 9 4.2强化借款人的信用观念，降低违约风险 9 4.3完善相关法律法规 9 4.4 提升银行的经营管理能力 10 4.4.1加强银行内组织机制，完善银行内部管理体系 10 4.4.2建立科学和完善的银行内部个人信用评价体系 10 4.4.3优化个人贷款业务操作流程，提升服务水平