I摘 要目前，伴随中国经济逐步的发展与升级，广大人民的生活水平与消费能力也愈发提高，这就激发了个人信贷业务的办理需求，让个人信贷产品获得了更多的发展空间。当前，中国银行业态的发展及其各类业务的优化升级不仅是迫在眉睫的任务同时也是务必从管理水平维度提高能力的必须，这一点在个人信贷业务的风险管理中尤为突出。对于以个人信贷业务为主营业务的北京银行而言，目前其个人信贷业务的发展不仅需要跟随扩张战略的需求与时俱进的创新风险管理策略，还需要因地制宜的配合扩张的分支网点的实践需求建立起契合的风险管理系统。基于此，本文展开深度的调研分析与策略研究，解析了当前北京银行个人信贷业务发展的市场动向、基础和契机、挑战和竞争环境以及发展成绩，进而针对其风险管理工作进行剖析，找出现状特征、潜在风险、策略需求与存在的问题和其成因，最终探索得到了北京银行个人信贷业务的风险管理策略建议与保障措施，即与时俱进的创新风险管理战略，全面升级风险管理系统，用竞争策略思路创新运行策略，全面升级管理系统中的运行机制，整合资源夯实运行基础，联动外部监管与社会力量升级管理。以此，为今后北京银行个人信贷业务的稳定发展提供实践对策与管理建议，同时也为今后此领域中的相关研究提供一定的创新观点与理论依据。关键词：北京银行，个人信贷业务，风险管理IIABSTRACTAt present, with the development and upgrading of Chinese economy, living standards and consumption capacity of the majority of the people are increasingly improved, which inspired the personal assets business management needs, make personal credit products get more space for development. At present, the development of bank industry upgrading Chinese and all kinds of business is not only imminent task, must also be sure to improve the ability of the dimension from the management level, which is particularly prominent in personal assets business risk management. For the personal assets of business as the main business Bank of Beijing, innovation risk management strategy for business development at present their personal assets not only need to follow the expa...
