摘要国内商业银行的信贷服务展现出持续进步的趋势，贷款余额持续提高，个人信贷业务身为信贷业务最关键的构成方面得到显著的发展，逐渐步入发展高速期。现在全球各个国家银行产业之间的竞争更加激烈，其他国家的银行开始开展综合战略调节。个人信贷业务因为自身独有的特点，资本损耗少、效益空间大，开始得到银行的重视。加强商业银行个人信贷风险管理研究具有重要的意义。本文第一章讲的是选题背景与意义；第二章叙述国内商业银行个人信贷有关理论探究；第三章叙述国内商业银行个人消费信贷业务的发展情况；第四章叙述国内商业银行此业务中现在出现的问题；第五章叙述管控个人信用风险发展，以及对国内目前个人信贷业务相关问题的处理方案，最终叙述结论。关键词：商业银行；个人信贷；风险管理ABSTRACTOurCountryCommercialBankCreditBusinessHasBeenRapidBevelopmentMomentum,Risingloans,PersonalCreditBusinessCreditBusinessasPartOfanImportantDevelopmentMoreRapidly,HasEnteredaPeriodOfRapidGrowthandDevelopment.AtPresent,TheCompetitionBetweenBanksinTheWorldisBecomingMore,andForeignBanksareCarryingOutTheStrategicAdjustmentOfBankingBusiness.PersonalCreditBusinessHasAttractedMoreandMoreAttentionFromBanksBecauseofItsUniqueCharacteristics,LowCapitalConsumptionandLargeProfitMargins.RetailSalesHaveBecomeTheBasicTrendofTheStructuralAdjustmentOfPersonalCreditBusiness.ItisOfGreatPracticalSignificancetoStrengthenTheStudyOfIndividualCreditRiskManagementOfCommercialBanks.TheFirstChapterIsAboutTheBercialBankPersonalCreditRelatedTheory;TheThirdChapterisAboutTheCurrentSituationOfTheDevelopmentOfPersonalConsumerCreditBusinessOfCommercialBanksinChina;TheFourthChapterisAboutThePersonalCreditBusinessOfCommercialBanksinChina;TheFifthChapterTheSuggestionstoTheDevelopmentOfPersonalCreditBusinessOfChina'sCommercialBankPersonalCreditRiskControl,TheLastPartisTheConclusion.KeyWords:CommercialBanks;PersonalCredit;RiskManagement目录1绪论........................................................................51.1选题背景与意义............................................................51.2国内外研究现状及评述..................................................61.2.1国内研究现状....................................................61.2.2国外研究现状....................................................61.2.3国内外研究现状评述..............................................62我国商业银行个人信贷相关理论分析............................................82.1个人信贷的涵义........................................................82.2.个人信贷风险产生的原因................................................82.2.1借款人的偿债能力方面............................................82.2.2借款人的信用因素................................................92.2.3银行内部因素....................................................92.2.4社会信用环境差,信用程度低.......................................92.2商业银行个人信贷业务的分类............................................93我国商业银行个人信贷业务的发展现状.........................................103.1商业银行个人信贷不良贷款占比高引致潜在高风险.........................103.2商业银行个人信贷风险识别、测量、控制的现状...........................103.3商业银行个人信贷资金运营渠道单一导致风险过度集中.....................113.4商业银行个人信贷资产日趋集中进一步放大信贷风险.......................114我国商业银行个人信贷业务中存在的问题.......................................124.1缺乏个人信用评估的统一标准...........................................124.2银行信贷产...
