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

ABSTRACT

At 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 expansion strategy needs to advance with the times, we need to establish the local branch with the expansion of the practice demand risk management system. Based on this research, analysis and strategy research in this paper depth, analysis of market trends, the current Bank of Beijing personal assets business development foundation and the opportunity, challenge and competition environment and development achievements, and the risk management analysis, find out the characteristics, potential risks, strategy needs and existing problems and its causes finally, to explore the strategies of risk management suggestions and safeguard measures of personal assets business Bank of Beijing, the risk management strategy innovation, upgrade the risk management system, with competition strategy innovation operation strategy, a comprehensive upgrade operation mechanism in the management system of the integration of resources, tamp foundation operation, external linkage supervision and social power upgrade management. In order to provide practical measures and suggestions for the future development Bank of Beijing personal assets business, and provide some innovative ideas and theoretical basis for future research in this field.

Keywords：Bank of Beijing, personal asset business, risk management

目  录

摘  要………………………………………………………. I

ABSTRACT…………………………………………………… II

目  录…………………………………………………….. III

1.绪论……………………………………………………… 1

1.1 选题背景及意义…………………………………………………………………………………………… 1

1.1.1 选题背景………………………………………………………………………………………………………………………………… 1

1.1.2 选题意义………………………………………………………………………………………………………………………………… 1

1.2 国内外相关研究评述…………………………………………………………………………………….. 2

1.2.1 国外研究回顾………………………………………………………………………………………………………………………… 2

1.2.2 国内研究借鉴………………………………………………………………………………………………………………………… 3

1.3 研究目的与内容…………………………………………………………………………………………… 5

1.3.1 研究目的………………………………………………………………………………………………………………………………… 5

1.3.2 研究内容………………………………………………………………………………………………………………………………… 5

1.4 研究方法与思路…………………………………………………………………………………………… 6

1.4.1 研究方法………………………………………………………………………………………………………………………………… 6

1.4.2 逻辑框架图……………………………………………………………………………………………………………………………. 7

1.5 可能存在的创新与局限性………………………………………………………………………………. 8

2.相关概念与理论基础………………………………………….. 10

2.1相关概念…………………………………………………………………………………………………… 10

2.1.1个人信贷业务的内涵及目标功能………………………………………………………………………………………… 10

2.1.2个人信贷业务的分类与流程………………………………………………………………………………………………… 10

2.1.3我国个人信贷业务的发展历程……………………………………………………………………………………………. 11

2.1.4国外个人信贷业务的发展经验分析…………………………………………………………………………………….. 12

2.2相关理论基础…………………………………………………………………………………………….. 14

2.2.1风险管理理论……………………………………………………………………………………………………………………….. 14

2.2.2信息不对称理论及其在商业银行个人信贷业务中的作用………………………………………………….. 15

2.3商业银行个人信贷业务风险管理的现状基础经验借鉴………………………………………… 15

2.3.1银行的个人信贷业务概述既有经验与竞争优势分析…………………………………………………………. 15

2.3.2个人信贷业务风险管理的特征……………………………………………………………………………………………. 17

3.北京银行个人信贷业务发展现状………………………………….. 19

3.1 北京银行个人信贷业务发展的环境分析………………………………………………………….. 19

3.1.1市场需求动向……………………………………………………………………………………………………………………….. 19

3.1.2发展基础和契机…………………………………………………………………………………………………………………… 20

3.1.3挑战和竞争情况解析……………………………………………………………………………………………………………. 22

3.1.4当前的发展成绩…………………………………………………………………………………………………………………… 26

4.北京银行个人信贷业务风险管理情况分析……………………………. 30

4.2北京银行个人信贷业务风险管理层面的潜在风险………………………………………………. 32

4.3北京银行风险管理策略上的需求……………………………………………………………………. 33

4.4北京银行个人信贷业务风险管理中存在的问题…………………………………………………. 34

4.5北京银行个人信贷业务风险管理问题的成因…………………………………………………….. 37

4.6 本章小结…………………………………………………………………………………………………… 38

5.北京银行个人信贷业务的风险管理策略建议与保障措施…………………… 39

5.1北京银行个人信贷业务的风险管理优化策略…………………………………………………….. 39

5.1.1与时俱进的创新风险管理战略……………………………………………………………………………………………. 40

5.1.2全面升级风险管理系统……………………………………………………………………………………………………….. 41

5.2北京银行个人信贷业务的风险管理策略的实施建议…………………………………………… 42

5.2.1用竞争策略思路，创新运行策略………………………………………………………………………………………… 42

5.2.2全面升级管理系统中的运行机制………………………………………………………………………………………… 44

5.3北京银行个人信贷业务的风险管理策略实施的保障措施…………………………………….. 45

5.3.1整合资源，夯实运行基础……………………………………………………………………………………………………. 45

5.3.2升级管理，联动外部监管与社会力量………………………………………………………………………………… 46

5.4本章小结…………………………………………………………………………………………………… 47

6.研究结论及展望……………………………………………… 49

6.1 研究结论…………………………………………………………………………………………………… 49

6.1.1本文的研究结论…………………………………………………………………………………………………………………… 49

6.1.2主要观点………………………………………………………………………………………………………………………………. 49

6.2研究不足及展望………………………………………………………………………………………….. 50

6.2.1研究的不足之处…………………………………………………………………………………………………………………… 50

6.2.2展望未来………………………………………………………………………………………………………………………………. 50

参 考 文 献…………………………………………………. 52

致谢………………………………………………………. 55

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