畢業(yè)設(shè)計(jì)，本人書寫論文多年，上傳作品為畢業(yè)合格作品，完整內(nèi)容。格式標(biāo)準(zhǔn)，25000字左右。介紹：
摘要

隨著中國加入WTO后外資銀行的進(jìn)入，國內(nèi)商業(yè)銀行面臨著前所未有的機(jī)遇和挑戰(zhàn)。特別是2006年我國金融市場(chǎng)全部開放后，我國商業(yè)銀行面臨著更為嚴(yán)峻的競爭環(huán)境和生存壓力。消費(fèi)信貸是西方發(fā)達(dá)國家商業(yè)銀行一項(xiàng)較為成熟的業(yè)務(wù)。政府的大力支持、健全的法律體系、完備的信用體系等，有力地支持了該業(yè) 務(wù)的發(fā)展。同時(shí)，各家商業(yè)銀行普遍應(yīng)用“個(gè)人信用風(fēng)險(xiǎn)評(píng)分模型”和“消費(fèi)信貸電腦審批系統(tǒng)”，強(qiáng)調(diào)風(fēng)險(xiǎn)審核與風(fēng)險(xiǎn)組合控制,以風(fēng)險(xiǎn)最優(yōu)化為管理目標(biāo)，實(shí)現(xiàn)消費(fèi)信貸的精細(xì)化管理，有針對(duì)哈爾濱開發(fā)區(qū)支行消費(fèi)信貸風(fēng)險(xiǎn)防范做出設(shè)計(jì)，這些風(fēng)險(xiǎn)管理措施有效地促進(jìn)了其消費(fèi)信貸業(yè)務(wù)的健康發(fā)展。
近年來，中國商業(yè)銀行的消費(fèi)信貸獲得了長足的發(fā)展，從事消費(fèi)信貸的商業(yè)銀行都取得了不菲的經(jīng)營收入，消費(fèi)信貸已成為我國各家商業(yè)銀行競相搶占的信貸業(yè)務(wù)之一，但是，隨著商業(yè)銀行消費(fèi)信貸規(guī)模的不斷擴(kuò)大，其自身的經(jīng)營風(fēng)險(xiǎn)也隨之增大。本文結(jié)合工商銀行消費(fèi)信貸的實(shí)際情況，針對(duì)哈爾濱開發(fā)區(qū)工商銀行消費(fèi)信貸風(fēng)險(xiǎn)的種種問題，結(jié)合哈爾濱工商銀行消費(fèi)信貸的發(fā)展歷史和現(xiàn)狀，同時(shí)借鑒國外商業(yè)銀行的先進(jìn)經(jīng)驗(yàn)，就如何解決現(xiàn)有問題及如何控制和防范消費(fèi)信貸風(fēng)險(xiǎn)提出了一些建議和并進(jìn)行了具體設(shè)計(jì)。以期達(dá)到識(shí)別防范和化解消費(fèi)信貸風(fēng)險(xiǎn)的效果。

關(guān)鍵詞 消費(fèi)信貸 控制制度 風(fēng)險(xiǎn)防范
AbstmCt

After China's accession to WTO as the entry of foreign banks, domestic commercial banks face unprecedented opportunities and challenges. In particular, all of China's financial market in 2006 after the opening of China's commercial banks face more severe competition and survival pressures. Consumer credit, commercial banks in the Western developed countries, a more mature business. Strong government support, a sound legal system, complete credit system and so on, effectively supported the development of the business. At the same time, various commercial banks have generally applied "your credit risk scoring model" and "consumer credit computer processing system", stressed the combination of risk control and risk review to optimize the risk management objectives, achieving the precise management of consumer credit, targeted Harbin Development Zone Branch of consumer credit risk prevention to make the design, these risk management measures effective in promoting the health of its consumer credit business development.
In recent years, China's commercial banks, consumer credit was a significant development in consumer credit, commercial banks have made a lot of money in operating income, consumer credit has become China's various commercial banks competing to grab one of the credit business, but, with the consumer credit with commercial banks expanded scale, of its own business risk increases. In this paper, Industrial and Commercial Bank of China consumer credit situation, Harbin Development Zone, Industrial and Commercial Bank of China for consumer credit risk of these problems, combined with Harbin Industrial and Commercial Bank of China consumer credit history and current situation, drawing on the advanced experience of foreign commercial banks on how to solve the existing problems and how to control and prevent the risk of consumer credit and make some suggestions and the concrete design. To achieve the identification of preventing and eliminating the effect of consumer credit risk.

Key words Consumer credit Control system Risk
目錄

摘要 I
AbstmCt II
目錄 III
Directory V
第1章 銀行概況 1
1.1自然概況 1
1.2經(jīng)營概況 1
1.2.1.個(gè)人住房信貸業(yè)務(wù)的運(yùn)作程序 2
1.2.2.個(gè)人綜合消費(fèi)貸款運(yùn)作程序 4
第2章 消費(fèi)信貸發(fā)展歷程及現(xiàn)狀 5
2.1消費(fèi)信貸的內(nèi)涵及特點(diǎn) 5
2.2消費(fèi)信貸對(duì)哈爾濱工商銀行金融機(jī)構(gòu)的作用 6
2.3我國商業(yè)銀行消費(fèi)信貸發(fā)展歷程 8
2.4 工商銀行哈爾濱開發(fā)區(qū)支行現(xiàn)狀現(xiàn)狀 10
第3章 工商銀行哈爾濱開發(fā)區(qū)支行消費(fèi)信貸風(fēng)險(xiǎn)防范制度設(shè)計(jì) 13
3.1消費(fèi)信貸風(fēng)險(xiǎn)度量設(shè)計(jì)原則 13
3.2消費(fèi)信貸風(fēng)險(xiǎn)評(píng)估設(shè)計(jì) 15
3.2.1個(gè)人信用評(píng)分指標(biāo)的選取原則 15
3.2.2目前哈爾濱開發(fā)區(qū)商業(yè)銀行信貸風(fēng)險(xiǎn)控制中存在的問題 16
3.2.3構(gòu)建完善科學(xué)有效的哈爾濱開發(fā)區(qū)商業(yè)銀行信貸風(fēng)險(xiǎn)評(píng)估預(yù)警分析設(shè)計(jì) 17
3.3消費(fèi)信貸風(fēng)險(xiǎn)防范設(shè)計(jì) 18
3.3.1逐步建立全社會(huì)范圍的個(gè)人信用制度 18
3.3.2風(fēng)險(xiǎn)的事前管理 18
3.3.3 貸款人應(yīng)加強(qiáng)對(duì)自身業(yè)務(wù)經(jīng)營的監(jiān)督與管理 19
3.3.4 建立銀行內(nèi)部消費(fèi)信貸的風(fēng)險(xiǎn)管理體系 22
第4章 工商銀行哈爾濱開發(fā)區(qū)支行信貸業(yè)務(wù)控制制度設(shè)計(jì) 23
4.1基礎(chǔ)管理控制制度設(shè)計(jì) 23
4.2風(fēng)險(xiǎn)控制制度設(shè)計(jì) 25
4.3信貸業(yè)務(wù)流程控制制度設(shè)計(jì) 26
結(jié)束語 30
致謝 31
參考文獻(xiàn) 32