商业银行个人贷款业务风险管理研究 79页.rar
商业银行个人贷款业务风险管理研究 79页,摘要自从20世纪90年代末以来，我国个人贷款业务呈现了快速发展的势头。个人贷款业务持续发展，贷款余额不断上升，表明我国的个人贷款业务已进入市场高速成长期。与此同时，由于个人贷款业务在我国商业银行属于新兴业务，个人贷款业务风险管理却没有现行模式可以利用，也没有形成完整独立体系。在我国商业银行个人贷款业务不断发展的现状下，...
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内容介绍
原文档由会员 白痴学东西 发布
摘 要
自从20世纪90年代末以来，我国个人贷款业务呈现了快速发展的势头。个
人贷款业务持续发展，贷款余额不断上升，表明我国的个人贷款业务已进入市场
高速成长期。与此同时，由于个人贷款业务在我国商业银行属于新兴业务，个人
贷款业务风险管理却没有现行模式可以利用，也没有形成完整独立体系。在我国
商业银行个人贷款业务不断发展的现状下，已有风险管理体系不适应个人贷款业
务风险管理的要求，急需对现存的风险管理体系进行改善和提高。
本论文以商业银行个人贷款业务风险管理进行认真、深入探讨，引用了《巴
塞尔新资本协议》，吸收和借鉴了国内外金融学者和银行界人士的研究成果，从实
际出发，突出针对性和可操作性，着力探讨商业银行个人贷款风险管理有效对策，
为推进个人贷款业务的健康、持续、快速发展提供有益参考。
本论文运用因素分析、数据分析、应用研究等方法对商业银行个人贷款业务
风险的现状及风险管理影响因素进行分析，通过借鉴国外先进经验并结合商业银
行的实际情况，从商业银行个人贷款业务的信用风险、操作风险及市场风险来探
究个人贷款风险防范相关对策。首先，从个人贷款业务风险防范的基本概念入手，
对个人贷款业务及风险的相关理论及个人贷款风险管理理论与流程进行系统介
绍。其次，商业银行个人贷款业务风险管理现状进行较全面分析，探究三大风险
的影响因素，为进一步提出个人贷款风险防范对策打下基础。再次，借鉴《巴塞
尔新资本协议》、国际个人贷款业务风险管理模式及国外银行个人贷款业务风险管
理经验。最后，提出个人贷款业务风险防范具体对策，并对长沙光大银行个人贷
款业务风险管理进行应用研究，具有重要的现实指导意义。
关键词:个人贷款业务;风险管理;防范对策
第1章绪论·····································································
1.1选题背景与意义······················································
1.2国内外研究动态······················································
1.2.1国外研究动态················································
1.2.2国内研究动态················································
1.3研究方法和思路······················································
1.3.1研究方法······················································
1.3.2研究思路······················································
L4主要内容与创新点···················································
1.4.1主要内容······················································
1.4.2主要创新点···················································
第2章个人贷款业务风险管理相关理论·································
2.1个人贷款业务概述···················································
2.1.1个人贷款业务的定义与特点······························
2.1.2个人贷款业务分类··········································
2.1.3个人贷款业务风险分类····································
2.2个人贷款业务风险管理的基本理论····························
2.2.1个人需求理论···············································
2.2.2消费信贷理论···············································
2.2.3预期收入理论···············································
2.2.4委托代理理论···············································
2.2.5个人信用缺失的成本收益分析··························
2.3个人贷款业务风险管理理论及流程····························
2.3.1个人贷款业务风险管理理论·····························
2.3.2个人款业务风险管理流程································
2.4个人贷款业务风险管理国际借鉴·······························
2:41借鉴《巴塞尔新资本协议》·······························
硕士学位论文
2.4.2借鉴国外银行个人贷款业务风险管理模式··········
2.4.3借鉴国际个人贷款业务风险管理经验················
第3章影响个人贷款业务风险管理因素分析·························
3.1信用风险管理影响因素···········································
3.1.1信用风险识别与衡量技术落后·························
3.1.2信用风险处理手段缺乏·····..
自从20世纪90年代末以来，我国个人贷款业务呈现了快速发展的势头。个
人贷款业务持续发展，贷款余额不断上升，表明我国的个人贷款业务已进入市场
高速成长期。与此同时，由于个人贷款业务在我国商业银行属于新兴业务，个人
贷款业务风险管理却没有现行模式可以利用，也没有形成完整独立体系。在我国
商业银行个人贷款业务不断发展的现状下，已有风险管理体系不适应个人贷款业
务风险管理的要求，急需对现存的风险管理体系进行改善和提高。
本论文以商业银行个人贷款业务风险管理进行认真、深入探讨，引用了《巴
塞尔新资本协议》，吸收和借鉴了国内外金融学者和银行界人士的研究成果，从实
际出发，突出针对性和可操作性，着力探讨商业银行个人贷款风险管理有效对策，
为推进个人贷款业务的健康、持续、快速发展提供有益参考。
本论文运用因素分析、数据分析、应用研究等方法对商业银行个人贷款业务
风险的现状及风险管理影响因素进行分析，通过借鉴国外先进经验并结合商业银
行的实际情况，从商业银行个人贷款业务的信用风险、操作风险及市场风险来探
究个人贷款风险防范相关对策。首先，从个人贷款业务风险防范的基本概念入手，
对个人贷款业务及风险的相关理论及个人贷款风险管理理论与流程进行系统介
绍。其次，商业银行个人贷款业务风险管理现状进行较全面分析，探究三大风险
的影响因素，为进一步提出个人贷款风险防范对策打下基础。再次，借鉴《巴塞
尔新资本协议》、国际个人贷款业务风险管理模式及国外银行个人贷款业务风险管
理经验。最后，提出个人贷款业务风险防范具体对策，并对长沙光大银行个人贷
款业务风险管理进行应用研究，具有重要的现实指导意义。
关键词:个人贷款业务;风险管理;防范对策
第1章绪论·····································································
1.1选题背景与意义······················································
1.2国内外研究动态······················································
1.2.1国外研究动态················································
1.2.2国内研究动态················································
1.3研究方法和思路······················································
1.3.1研究方法······················································
1.3.2研究思路······················································
L4主要内容与创新点···················································
1.4.1主要内容······················································
1.4.2主要创新点···················································
第2章个人贷款业务风险管理相关理论·································
2.1个人贷款业务概述···················································
2.1.1个人贷款业务的定义与特点······························
2.1.2个人贷款业务分类··········································
2.1.3个人贷款业务风险分类····································
2.2个人贷款业务风险管理的基本理论····························
2.2.1个人需求理论···············································
2.2.2消费信贷理论···············································
2.2.3预期收入理论···············································
2.2.4委托代理理论···············································
2.2.5个人信用缺失的成本收益分析··························
2.3个人贷款业务风险管理理论及流程····························
2.3.1个人贷款业务风险管理理论·····························
2.3.2个人款业务风险管理流程································
2.4个人贷款业务风险管理国际借鉴·······························
2:41借鉴《巴塞尔新资本协议》·······························
硕士学位论文
2.4.2借鉴国外银行个人贷款业务风险管理模式··········
2.4.3借鉴国际个人贷款业务风险管理经验················
第3章影响个人贷款业务风险管理因素分析·························
3.1信用风险管理影响因素···········································
3.1.1信用风险识别与衡量技术落后·························
3.1.2信用风险处理手段缺乏·····..
