MBA学位论文
作者：闫威
兰州银行“信用一键贷”逾期风险管理策略研究
兰州银行“信用一键贷”逾期风险管理策略研究
中文摘要
近年来，随着利率市场化、互联网金融等因素的作用，我国商业银行面临着
空前的挑战，传统的金融业务正遭受着巨大的冲击，同时由于经济周期的影响，
我国经济增长速度减缓，对实体经济的需求也相对较弱。零售银欧亿·体育（中国）有限公司务以其风险
分散、收益稳定、低耗资、受众群体广泛为特征，逐渐成为商业银行经营的重点
。其中，个人信用贷款业务由于其能更方便的满足个人客户的消费金融需求，成
为了近几年各大商业银行新的利润增长点。在提供了个人消费贷款便利性的同时
，个人信用贷款由于其无抵押、无担保的特性使得其面临的逾期风险也不断凸显
。
本论文以兰州银行“信用一键贷”逾期风险管理为研究主题，旨在提高兰州
银行“信用一键贷”业务逾期风险的管理能力。论文基于全面风险管理理论、信
息不对称理论、信用风险管理理论和操作风险理论，剖析了当前“信用一键贷”
业务的风险管理现状和存在的问题；基于兰州银行“信用一键贷”历史数据样本
，利用 logistic回归方法对数据进行处理分析，找出影响“信用一键贷”风险的
关键因素，然后根据风险特征的不同和贷款阶段的不同分别设计了相对应的风险
管理策略，同时制定了实施计划和保障措施，保障“信用一键贷”逾期风险管理
的顺利进行。最后，对全文进行了总结，对论文的主要结论进行了归纳，并提出
了论文的不足之处。
本文通过对兰州银行“信用一键贷”逾期风险管理的研究，能够帮助在贷前
审查和贷后管理环节有效识别可能发生的逾期风险，同时提出了有针对性的逾期
风险的管理策略，对兰州银行“信用一键贷”业务发展起到了现实的作用。同时
，本文的研究成果对我国商业银行互联网个人信用贷款的逾期风险管理具有重要
的指导意义。
关键词：兰州银行，“信用一键贷”，逾期风险， logistic回归，风险管理
策略
I
MBA学位论文
作者：闫威
兰州银行“信用一键贷”逾期风险管理策略研究
RESEARCH ON THE OVERDUE RISK
MANAGEMENT STRATEGY OF "ONE-CLICK
CREDIT LOAN" OF LANZHOU BANK
Abstract
In recent years, with the role of interest rate liberalization, Internet finance and
other factors, China's commercial banks are facing unprecedented challenges, and the
traditional financial business is suffering from a huge impact. Meanwhile, due to the
impact of the economic cycle, China's economic growth rate has slowed down, and
the demand for the real economy is relatively weak. Characterized by its risk
diversification, stable income, low consumption and wide audience group, retail
banking business has gradually become the focus of commercial bank operation.
Among them, personal credit loan business has become a new profit growth point of
major commercial banks in recent years because it can meet the financial needs of
personal consumer more conveniently. While providing the convenience of personal
consumption loans, the overdue risks of personal credit loans are also constantly
prominent without financial security or mortgage.
This thesis themes onthe Overdue Risk Management of "One-click Credit
Loan" of Lanzhou Bank, and aims to improve the overdue risk management ability of
"Credit One-click Loan" business of Lanzhou Bank. Based on the comprehensive risk
management theory, information asymmetry theory, credit risk management theory
and operational risk theory, this thesis analyzes the current situation and existing
problems of risk management of "One-click Credit Loan" business. Based on the
historical data samples of Bank of Lanzhou "One-click Credit Loan" , using logistic
regression method for data analysis, this thesis finds out the key credit risk key
factors, and then according to the different riskcharacteristics and loan stage
respectively designed the corresponding risk management strategy, formulates the
implementation plan and safeguard the "credit" overdue risk management. Finally, the
full text is summed up, the main conclusions of the thesis are summarized, and the
shortcomings of the thesis are proposed.
II
MBA学位论文
作者：闫威
兰州银行“信用一键贷”逾期风险管理策略研究
In this thesis, studies of the overdue risk management of "One-click Credit
Loan" of Bank of Lanzhou are carried on, which can help effectively identify the
possible overdue risks in the pre-loan review and post-loan management. This thesis
also puts forward the targeted management strategy of overdue risk, which plays a
realistic role in the business development of "One-click Credit Loan" business of
Bank of Lanzhou. At the same time, the research results of this thesis have important
guiding significance for the overdue risk management of Internet personal credit loans
of commercial banks in China.
Key words: Bankof Lanzhou, "One-click Credit",overdue risk, logistic
regression method, risk management strategy
III