随着社会经济的快速发展，有效的促进金融欧亿·体育（中国）有限公司的发展，尤其为商业银行 创造了良好的环境。随着收入的增长，消费水平的提升，信贷资产需求越来越 强烈和多样化，对此很多商业银行都增添了信贷业务，其中个人贷款业务种类 繁多，涉及到购房、购车、投资、生产经营等方面。个人贷款业务呈现出了贷 款金额较小，客户比较分散，规模较为庞大，信贷风险分散等特性。个人贷款 业务不仅繁荣了金融业，同时也为商业银行增加经营效益，因此，全面的推动 个人贷款业务的发展，将有利于提升信贷质量，为商业银行创造效益，实现商 业银行稳定经营的发展目标。 目前国内商业银行个人贷款业务处于快速发展阶段，很多环节都不系统和 成熟，暴露了诸多的问题，如资金挪用、逾期、违约等情况。国内个人贷款业 务风险管理相对缺乏优秀的管理方法和丰富经验，尚未构建独立和完整的风险 管理体系。本文主要以长沙银行作为研究对象，展开了相关个人贷款业务风险 管理的探讨，长沙银行历经20多年的发展，为地方社会经济发展提供金融服 务。个人贷款业务取得了不错的成绩，资产质量保持良好，业务规模全面拓 展，市场竞争力不断提升。但从长远的发展角度讲，目前长沙银行个人贷款业 务的资产占比仍比较低，具有巨大的发展潜力，面对激烈的市场竞争，以及各 种风险问题的威胁，长沙银行的个人贷款业务发展应如何进行，展开怎样的风 险管理，是今后发展需要重点关注的问题。 本文主要通过理论联系实际对长沙银行个人贷款业务风险管理展开研究分 析，主要包括五个部分：第一，阐述个人贷款业务风险管理的研究背景、研究 意义和目的，并对国内外商业银行风险管理相关文献进行整理与归纳，以及阐 述了研究内容和方法。第二，阐述个人贷款业务风险管理的概念，包括个人贷 款业务、个人贷款业务风险、个人贷款业务风险管理，并论述了个人贷款业务 风险管理相关理论。第三，主要分析了长沙银行个人贷款业务发展现状，风险 表现和成语，通过数据阐述了长沙银行不良贷款率、不良贷款结构、不良贷款 处置等内容。第四，对长沙银行个人贷款业务风险管理组织结构和模式进行了 概括，通过对比国内外商业银行个人贷款业务的风险管理模式，对长沙银行的 风险管理问题展开探讨。第五，对长沙银行个人贷款业务风险管理提出改进对 策，从风险管理体系建设、风险管理控制流程、风险管理控制方法这些方面进 行了优化和改进，以此为长沙银行个人贷款业务的发展提供建议，为国内商业 银行个人贷款业务的风险管理提供参考。 关键词：长沙银行；个人贷款；风险管理 V Abstract Withtherapiddevelopmentofsocialeconomy,iteffectivelypromotesthe developmentoffinancialindustry,especiallycreatesagoodenvironmentfor commercialbanks.Withtheincreaseofincomeandconsumptionlevel,thedemand forcreditassetsisbecomingmoreandmoreintenseanddiversified.Many commercialbankshaveaddedcreditbusinesstothis,amongwhichtherearevarious typesofpersonalloanbusiness,involvingpurchaseofhouses,purchaseofcars, investment,productionandoperation,etc.Personalloanbusinesspresentsthe characteristicsofsmallloanamount,scatteredcustomers,largescaleandscattered creditrisk.Personalloanbusinessnotonlyprospersthefinancialindustry,butalso increasestheoperatingbenefitsforcommercialbanks.Therefore,comprehensively promotingthedevelopmentofpersonalloanbusinesswillhelpimprovethecredit quality,createbenefitsforcommercialbanksandachievethedevelopmentgoalof stableoperationofcommercialbanks. Atpresent,thepersonalloanbusinessofdomesticcommercialbanksisina rapiddevelopmentstage,manylinksarenotsystematicandmature,exposingmany problems,suchasmisappropriationoffunds,overdueanddefault.Therisk managementofdomesticpersonalloanbusinessisrelativelylackofexcellent managementmethodsandrichexperience,andhasnotyetestablishedanindependent andcompleteriskmanagementsystem.ThispapermainlytakesChangshaBankas theresearchobjectanddiscussestheriskmanagementofpersonalloanbusiness. ChangshaBankhasdevelopedformorethan20yearstoprovidefinancialservicesfor localsocialandeconomicdevelopment.Thepersonalloanbusinesshasachieved goodresults,theassetqualityhasremainedgood,thebusinessscalehasexpandedin anall-roundway,andthemarketcompetitivenesshascontinuouslyimproved. However,fromtheperspectiveoflong-termdevelopment,theproportionofassetsin ChangshaBank'spersonalloanbusinessisstillrelativelylowandhasgreat developmentpotential.Facedwithfiercemarketcompetitionandthreatsfromvarious riskissues,howtodevelopChangshaBank'spersonalloanbusinessandhowtocarry outriskmanagementareissuesthatneedtobefocusedoninfuturedevelopment. Thispapermainlystudiesandanalyzestheriskmanagementofpersonalloan businessofChangshaBankbycombiningtheorywithpractice,mainlyincludingfive parts:First,itexpoundstheresearchbackground,significanceandpurposeofrisk managementofpersonalloanbusiness,andsortsoutandsummarizestherelevant literatureofriskmanagementofdomesticandforeigncommercialbanks,aswellas expoundstheresearchcontentsandmethods.Secondly,theconceptofrisk VI managementofpersonalloanbusiness,includingpersonalloanbusiness,personal loanbusinessriskandpersonalloanbusinessriskmanagement,isexpounded,andthe relatedtheoriesofriskmanagementofpersonalloanbusinessarediscussed.Third,it mainlyanalyzesthecurrentsituation,riskperformanceandidiomsofChangsha Bank'spersonalloanbusiness,andillustratesthenon-performingloanrate,non- performingloanstructureanddisposalofnon-performingloansthroughdata.Fourth, itsummarizestheorganizationalstructureandmodeofriskmanagementofpersonal loanbusinessofChangshaBank,anddiscussestheriskmanagementofChangsha Bankbycomparingtheriskmanagementmodesofpersonalloanbusinessofdomestic andforeigncommercialbanks.Fifth,itputsforwardimprovementmeasuresforrisk managementofpersonalloanbusinessofChangshaBank,andoptimizesand improvestheriskmanagementsystemconstruction,riskmanagementcontrolprocess andriskmanagementcontrolmethods,soastoprovidesuggestionsforthe developmentofpersonalloanbusinessofChangshaBankandprovidereferencefor riskmanagementofpersonalloanbusinessofdomesticcommercialbanks. Keywords:Changshabank;Personalloans;Riskmanagement VII 目录 第1章绪论..................................................................................................................1 1.1选题背景..........................................................................................................1 1.2研究综述..........................................................................................................2 1.2.1关于银行风险管理的研究...................................................................2 1.2.2关于信贷风险发展的研究...................................................................3 1.2.3关于个人贷款业务风险成因的研究...................................................4 1.2.4关于个人贷款业务风险管理的研究...................................................4 1.2.5关于信贷风险管理组织架构与管理模式的研究...............................5 1.3研究目的、意义与内容..................................................................................6 1.3.1研究目的与意义...................................................................................6 1.3.2研究内容...............................................................................................6 1.4研究方法..........................................................................................................7 第2章个人贷款业务风险管理相关概念和理论......................................................8 2.1个人贷款业务风险相关概念..........................................................................8 2.1.1个人贷款业务.......................................................................................8 2.1.2个人贷款业务风险特征.......................................................................9 2.1.3个人贷款业务风险管理.......................................................................9 2.2个人贷款业务风险管理相关理论................................................................10 2.2.1信息不对称理论.................................................................................10 2.2.2信贷配给理论.....................................................................................10 2.2.3期权理论.............................................................................................11 2.2.4风险管理理论.....................................................................................11 第3章长沙银行个人贷款业务发展现状及风险分析............................................13 3.1长沙银行简介.................................