I 摘要 近年来,随着金融与经济的全球化不断深入，金融理论和实践的一系列创新，使 得金融产品和金融市场呈现出日渐蓬勃的发展态势。同时，国内银欧亿·体育（中国）有限公司的改革也进 一步提速,银欧亿·体育（中国）有限公司改革和发展的战略支点逐渐转向零售信贷业务,零售信贷业务以其 利润高、节约经济资本等优势成为银欧亿·体育（中国）有限公司竞相发展的业务之一，并且促使了银行资 产业务朝多元化发展，战略地位不断提高。但与先进的西方国家相比，我国零售信 贷业务发展时间相对较短，结构发展不平衡,信贷资产存在着如信息不对称、风险评 估不完善，贷后管理不严、监控体系不全面等诸多风险，零售信贷业务风险的防范 显得尤为重要，信贷风险管理水平的高低直接影响企业的切身利益。 本文基于风险管理理论，以邮储银行秦皇岛市分行为研究个案,对该分行零售信 贷风险问题进行探讨，研究内容如下：（1）通过对零售信贷业务的概念、特点等进 行分析，梳理了邮储银行秦皇岛市分行在零售信贷业务的基本概况；其次阐述了零 售信贷业务风险防范现状以及风险管理现状；（2）基于层次分析法构建邮储银行秦 皇岛市分行零售信贷风险评价指标和风险评价模型，并基于构建的邮储银行秦皇岛 市分行零售信贷风险评价模型，对该分行零售信贷风险进行评估，评估结果为，风 险属于高等层面；（3）提出邮储银行秦皇岛市分行零售信贷风险防范存在的问题， 包括缺乏对借款人财务状况的审核分析、信贷风险防范能力较低、信贷人员综合素 质有待提升等问题；（4）提出邮储银行秦皇岛市分行零售信贷风险的防范措施，从 业务办理流程、信贷业务管理、信贷人员素质等几方面提出了风险防范的建议，从 而在最大程度上规避风险。本文的研究成果对邮储银行零售信贷业务的风险防范以 及业务发展具有一定的指导意义，对同欧亿·体育（中国）有限公司零售信贷业务的风险防范起到一定的借 鉴作用。 关键词:邮政储蓄银行；零售信贷业务；信贷风险；风险防范； 燕山大学工商管理硕士学位论文 Abstract Inrecentyears,withthecontinuousdeepeningoftheglobalizationoffinanceand economy,aseriesofinnovationsinfinancialtheoryandpracticehavemadefinancial productsandfinancialmarketsshowanincreasinglyvigorousdevelopmenttrend.Atthe sametime,thereformofthedomesticbankingindustryhasalsoaccelerated,andthe strategicfulcrumofbankingreformanddevelopmenthasgraduallyshiftedtoretailcredit business.Retailcreditbusinesshasbecomeoneofthecompetingdevelopmentsofthe bankingindustryduetoitshighprofitsandeconomiccapitalsavings.Inordertodiversify thebank'sassetbusiness,itsstrategicpositionhasbeencontinuouslyimproved.However, comparedwithadvancedwesterncountries,China'sretailcreditbusinesshasarelatively shortdevelopmenttime,unbalancedstructuraldevelopment,creditassetssuchas informationasymmetry,imperfectriskassessment,poorpost-lendingmanagement,and incompletemonitoringsystems.Riskpreventionisparticularlyimportantforretailcredit businessrisks.Thelevelofcreditriskmanagementdirectlyaffectstheimmediateinterests oftheenterprise. Basedontheriskmanagementtheory,thisarticleusesthecasestudyofPostal SavingsBankQinhuangdaoBranchtoexploretheretailcreditriskofthebranch.The researchcontentsareasfollows:(1)Thepaperanalyzestheconceptandcharacteristicsof theretailcreditbusinessandsortsoutthepostThebasicoverviewoftheretailcredit businessoftheQinhuangdaoBranchoftheBankofChinaReserveBank;secondly,the currentstatusofriskpreventionandriskmanagementoftheretailcreditbusinessare elaborated;BasedontheretailcreditriskevaluationmodeloftheQinhuangdaobranchof thePostalSavingsBank,theretailcreditriskofthebranchwasevaluated,andthe assessmentresultwasthattheriskwasahigh-gradecover;(3)Theretailcreditrisk preventionoftheQinhuangdaobranchofthePostalSavingsBankwasproposed. Problems,includingthelackofauditanalysisoftheborrower'sfinancialsituation,low creditriskpreventioncapabilities,andtheneedtoimprovethecomprehensivequalityof creditpersonnel;(4)putforwardmeasurestopreventretailcreditrisksattheQinhuangdao ABSTRACT BranchofthePostalSavingsBankandhandlethemfromthebusinessProcess,credit Severalaspectsofservicemanagement,qualityofpersonnelandothercreditrisk preventionrecommendations,thusavoidingtherisktothemaximumextent.Theresearch resultsofthispaperhavecertainguidingsignificancefortheriskpreventionandbusiness developmentofPSBC'sretailcreditbusiness,anditcanalsoserveasareferenceforthe riskpreventionofretailcreditbusinessinthesameindustry. Keywords: PostalSavingsBankofChina;retailcredit;creditrisk;riskprevention 目录 目录 摘要......................................................................................................................................I ABSTRACT.........................................................................................................................II 第1章绪论.......................................................................................................................1 1.1研究背景及研究意义............................................................................................1 1.1.1研究背景.....................................................................................................1 1.1.2研究意义.....................................................................................................2 1.2国内外研究现状....................................................................................................3 1.2.1国外研究现状.............................................................................................3 1.2.2国内研究现状.............................................................................................5 1.2.3国内外研究评述.........................................................................................7 1.3研究内容及研究方法............................................................................................7 1.3.1研究内容.....................................................................................................7 1.3.2研究方法.....................................................................................................8 第2章零售信贷业务及风险基础理论.............................................................................9 2.1零售信贷业务概述................................................................................................9 2.1.1零售信贷的概念.........................................................................................9 2.1.2零售信贷业务的特征.................................................................................9 2.1.3零售信贷业务的作用.................................................................................9 2.2零售信贷业务风险概述....................................................................................10 2.2.1商业银行风险的主要类别.......................................................................10 2.2.2零售信贷风险的定义和特征...................................................................11 2.3零售信贷业务风险管理的流程..........................................................................12 2.4本章小结..............................................................................................................13 第3章邮储银行秦皇岛市分行零售信贷风险现状分析...............................................14 3.1邮储秦皇岛市分行零售信贷业务......................................................................14 3.1.1邮储银行秦皇岛市分行基本情况...........................................................14 3.1.2邮储银行秦皇岛市分行零售信贷产品...................................................14 燕山大学工商管理硕士学位论文 3.1.3邮储银行秦皇岛市分行零售信贷经营情况...........................................17 3.2零售信贷风险防范现状......................................................................................17 3.2.1零售信贷业务的流程...............................................................................17 3.2.2邮储银行秦皇岛市分行零售信贷风险防范效果...................................18 3.2.3邮储银行秦皇岛市分行零售信贷风险防范流程...................................19 3.3本章小结..............................................................................................................21 第4章邮储银行秦皇岛市分行零售信贷风险评价.......................................................22 4.1邮储银行秦皇岛市分行零售信贷风险评价指标体系......................................22 4.1.1风险评价指标的选择........................................................................