摘 要
自從20世紀90年代末以來，我國個人貸款業(yè)務(wù)呈現(xiàn)了快速發(fā)展的勢頭。個
人貸款業(yè)務(wù)持續(xù)發(fā)展，貸款余額不斷上升，表明我國的個人貸款業(yè)務(wù)已進入市場
高速成長期。與此同時，由于個人貸款業(yè)務(wù)在我國商業(yè)銀行屬于新興業(yè)務(wù)，個人
貸款業(yè)務(wù)風險管理卻沒有現(xiàn)行模式可以利用，也沒有形成完整獨立體系。在我國
商業(yè)銀行個人貸款業(yè)務(wù)不斷發(fā)展的現(xiàn)狀下，已有風險管理體系不適應(yīng)個人貸款業(yè)
務(wù)風險管理的要求，急需對現(xiàn)存的風險管理體系進行改善和提高。
本論文以商業(yè)銀行個人貸款業(yè)務(wù)風險管理進行認真、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)外金融學者和銀行界人士的研究成果，從實
際出發(fā)，突出針對性和可操作性，著力探討商業(yè)銀行個人貸款風險管理有效對策，
為推進個人貸款業(yè)務(wù)的健康、持續(xù)、快速發(fā)展提供有益參考。
本論文運用因素分析、數(shù)據(jù)分析、應(yīng)用研究等方法對商業(yè)銀行個人貸款業(yè)務(wù)
風險的現(xiàn)狀及風險管理影響因素進行分析，通過借鑒國外先進經(jīng)驗并結(jié)合商業(yè)銀
行的實際情況，從商業(yè)銀行個人貸款業(yè)務(wù)的信用風險、操作風險及市場風險來探
究個人貸款風險防范相關(guān)對策。首先，從個人貸款業(yè)務(wù)風險防范的基本概念入手，
對個人貸款業(yè)務(wù)及風險的相關(guān)理論及個人貸款風險管理理論與流程進行系統(tǒng)介
紹。其次，商業(yè)銀行個人貸款業(yè)務(wù)風險管理現(xiàn)狀進行較全面分析，探究三大風險
的影響因素，為進一步提出個人貸款風險防范對策打下基礎(chǔ)。再次，借鑒《巴塞
爾新資本協(xié)議》、國際個人貸款業(yè)務(wù)風險管理模式及國外銀行個人貸款業(yè)務(wù)風險管
理經(jīng)驗。最后，提出個人貸款業(yè)務(wù)風險防范具體對策，并對長沙光大銀行個人貸
款業(yè)務(wù)風險管理進行應(yīng)用研究，具有重要的現(xiàn)實指導意義。
關(guān)鍵詞:個人貸款業(yè)務(wù);風險管理;防范對策
第1章緒論·····································································
1.1選題背景與意義······················································
1.2國內(nèi)外研究動態(tài)······················································
1.2.1國外研究動態(tài)················································
1.2.2國內(nèi)研究動態(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···················································
1.4.1主要內(nèi)容······················································
1.4.2主要創(chuàng)新點···················································
第2章個人貸款業(yè)務(wù)風險管理相關(guān)理論·································
2.1個人貸款業(yè)務(wù)概述···················································
2.1.1個人貸款業(yè)務(wù)的定義與特點······························
2.1.2個人貸款業(yè)務(wù)分類··········································
2.1.3個人貸款業(yè)務(wù)風險分類····································
2.2個人貸款業(yè)務(wù)風險管理的基本理論····························
2.2.1個人需求理論···············································
2.2.2消費信貸理論···············································
2.2.3預(yù)期收入理論···············································
2.2.4委托代理理論···············································
2.2.5個人信用缺失的成本收益分析··························
2.3個人貸款業(yè)務(wù)風險管理理論及流程····························
2.3.1個人貸款業(yè)務(wù)風險管理理論·····························
2.3.2個人款業(yè)務(wù)風險管理流程································
2.4個人貸款業(yè)務(wù)風險管理國際借鑒·······························
2:41借鑒《巴塞爾新資本協(xié)議》·······························
碩士學位論文
2.4.2借鑒國外銀行個人貸款業(yè)務(wù)風險管理模式··········
2.4.3借鑒國際個人貸款業(yè)務(wù)風險管理經(jīng)驗················
第3章影響個人貸款業(yè)務(wù)風險管理因素分析·························
3.1信用風險管理影響因素···········································
3.1.1信用風險識別與衡量技術(shù)落后·························
3.1.2信用風險處理手段缺乏·····..