摘 要
自從20世紀(jì)90年代末以來，我國個(gè)人貸款業(yè)務(wù)呈現(xiàn)了快速發(fā)展的勢(shì)頭。個(gè)
人貸款業(yè)務(wù)持續(xù)發(fā)展，貸款余額不斷上升，表明我國的個(gè)人貸款業(yè)務(wù)已進(jìn)入市場(chǎng)
高速成長(zhǎng)期。與此同時(shí)，由于個(gè)人貸款業(yè)務(wù)在我國商業(yè)銀行屬于新興業(yè)務(wù)，個(gè)人
貸款業(yè)務(wù)風(fēng)險(xiǎn)管理卻沒有現(xiàn)行模式可以利用，也沒有形成完整獨(dú)立體系。在我國
商業(yè)銀行個(gè)人貸款業(yè)務(wù)不斷發(fā)展的現(xiàn)狀下，已有風(fēng)險(xiǎn)管理體系不適應(yīng)個(gè)人貸款業(yè)
務(wù)風(fēng)險(xiǎn)管理的要求，急需對(duì)現(xiàn)存的風(fēng)險(xiǎn)管理體系進(jìn)行改善和提高。
本論文以商業(yè)銀行個(gè)人貸款業(yè)務(wù)風(fēng)險(xiǎn)管理進(jìn)行認(rèn)真、深入探討，引用了《巴
塞爾新資本協(xié)議》，吸收和借鑒了國內(nèi)外金融學(xué)者和銀行界人士的研究成果，從實(shí)
際出發(fā)，突出針對(duì)性和可操作性，著力探討商業(yè)銀行個(gè)人貸款風(fēng)險(xiǎn)管理有效對(duì)策，
為推進(jìn)個(gè)人貸款業(yè)務(wù)的健康、持續(xù)、快速發(fā)展提供有益參考。
本論文運(yùn)用因素分析、數(shù)據(jù)分析、應(yīng)用研究等方法對(duì)商業(yè)銀行個(gè)人貸款業(yè)務(wù)
風(fēng)險(xiǎn)的現(xiàn)狀及風(fēng)險(xiǎn)管理影響因素進(jìn)行分析，通過借鑒國外先進(jìn)經(jīng)驗(yàn)并結(jié)合商業(yè)銀
行的實(shí)際情況，從商業(yè)銀行個(gè)人貸款業(yè)務(wù)的信用風(fēng)險(xiǎn)、操作風(fēng)險(xiǎn)及市場(chǎng)風(fēng)險(xiǎn)來探
究個(gè)人貸款風(fēng)險(xiǎn)防范相關(guān)對(duì)策。首先，從個(gè)人貸款業(yè)務(wù)風(fēng)險(xiǎn)防范的基本概念入手，
對(duì)個(gè)人貸款業(yè)務(wù)及風(fēng)險(xiǎn)的相關(guān)理論及個(gè)人貸款風(fēng)險(xiǎn)管理理論與流程進(jìn)行系統(tǒng)介
紹。其次，商業(yè)銀行個(gè)人貸款業(yè)務(wù)風(fēng)險(xiǎn)管理現(xiàn)狀進(jìn)行較全面分析，探究三大風(fēng)險(xiǎn)
的影響因素，為進(jìn)一步提出個(gè)人貸款風(fēng)險(xiǎn)防范對(duì)策打下基礎(chǔ)。再次，借鑒《巴塞
爾新資本協(xié)議》、國際個(gè)人貸款業(yè)務(wù)風(fēng)險(xiǎn)管理模式及國外銀行個(gè)人貸款業(yè)務(wù)風(fēng)險(xiǎn)管
理經(jīng)驗(yàn)。最后，提出個(gè)人貸款業(yè)務(wù)風(fēng)險(xiǎn)防范具體對(duì)策，并對(duì)長(zhǎng)沙光大銀行個(gè)人貸
款業(yè)務(wù)風(fēng)險(xiǎn)管理進(jìn)行應(yīng)用研究，具有重要的現(xiàn)實(shí)指導(dǎo)意義。
關(guān)鍵詞:個(gè)人貸款業(yè)務(wù);風(fēng)險(xiǎn)管理;防范對(duì)策
第1章緒論·····································································
1.1選題背景與意義······················································
1.2國內(nèi)外研究動(dòng)態(tài)······················································
1.2.1國外研究動(dòng)態(tài)················································
1.2.2國內(nèi)研究動(dòng)態(tài)················································
1.3研究方法和思路······················································
1.3.1研究方法······················································
1.3.2研究思路······················································
L4主要內(nèi)容與創(chuàng)新點(diǎn)···················································
1.4.1主要內(nèi)容······················································
1.4.2主要?jiǎng)?chuàng)新點(diǎn)···················································
第2章個(gè)人貸款業(yè)務(wù)風(fēng)險(xiǎn)管理相關(guān)理論·································
2.1個(gè)人貸款業(yè)務(wù)概述···················································
2.1.1個(gè)人貸款業(yè)務(wù)的定義與特點(diǎn)······························
2.1.2個(gè)人貸款業(yè)務(wù)分類··········································
2.1.3個(gè)人貸款業(yè)務(wù)風(fēng)險(xiǎn)分類····································
2.2個(gè)人貸款業(yè)務(wù)風(fēng)險(xiǎn)管理的基本理論····························
2.2.1個(gè)人需求理論···············································
2.2.2消費(fèi)信貸理論···············································
2.2.3預(yù)期收入理論···············································
2.2.4委托代理理論···············································
2.2.5個(gè)人信用缺失的成本收益分析··························
2.3個(gè)人貸款業(yè)務(wù)風(fēng)險(xiǎn)管理理論及流程····························
2.3.1個(gè)人貸款業(yè)務(wù)風(fēng)險(xiǎn)管理理論·····························
2.3.2個(gè)人款業(yè)務(wù)風(fēng)險(xiǎn)管理流程································
2.4個(gè)人貸款業(yè)務(wù)風(fēng)險(xiǎn)管理國際借鑒·······························
2:41借鑒《巴塞爾新資本協(xié)議》·······························
碩士學(xué)位論文
2.4.2借鑒國外銀行個(gè)人貸款業(yè)務(wù)風(fēng)險(xiǎn)管理模式··········
2.4.3借鑒國際個(gè)人貸款業(yè)務(wù)風(fēng)險(xiǎn)管理經(jīng)驗(yàn)················
第3章影響個(gè)人貸款業(yè)務(wù)風(fēng)險(xiǎn)管理因素分析·························
3.1信用風(fēng)險(xiǎn)管理影響因素···········································
3.1.1信用風(fēng)險(xiǎn)識(shí)別與衡量技術(shù)落后·························
3.1.2信用風(fēng)險(xiǎn)處理手段缺乏·····..