中国银行湖南省分行个人投资经营贷款的风险管理研究

【作者】 陈建斌；

【导师】 陈建中；

【作者基本信息】 中南大学 ， 工商管理， 2009， 硕士

【摘要】 近年来,湖南省工商个体经济得到了迅速的发展,政府诸多政策的支持以及银行贷款产品创新,使得针对这一经济实体的贷款业务迅速发展起来,中国银行湖南省分行的个人投资经营贷款就是其中的典范之一。基于中国银行湖南省分行的个人投资经营贷款的迅速发展,其潜在的风险也将越来越大,基于防患于未然的考虑,本文对中国银行湖南省分行个人投资经营贷款业务的风险进行了分析并在此基础上提出了相应的防范和控制措施。首先,本文从个人投资经营贷款的风险分类入手,奠定全文的主线,并在理论上对其存在的信用风险,操作风险和市场风险进行了简单的分析,包括运用信息不对称理论对信用风险的成因分析,委托代理理论对操作风险的成因分析等。接着本文运用中国银行湖南省分行个人投资经营贷款的一些基本资料和数据,并结合实际工作中的一些案例,按照信用风险,操作风险和市场风险的分类进行了详尽的分析,并找到了诸多潜在风险,如贷款行业过于集中,地域分布集中等问题。,最后,在对就当前中国银行湖南省分行对个人投资经营贷款的管理现状和存在的问题进行了剖析后,提出了要从加强信贷风险管理文化建设的总体风险防范和控制措施；同时还分别就信用风险管理和操作风险管理中存在的主要问题提出了一系列的具体的风险管理措施,这些措施将对防范个人投资经营贷款风险具有较重要的参考价值。更多还原

【Abstract】 In recent years, "self-employed people" and privately-owned enterprises economy of Hunan Province has been rapid development. With the government policy support and commercial bank loans product innovation, the loans for them have developed rapidly. The personal investment and operating loan of the Bank of China Hunan Branch is the one of typical example. It brings enormous gains for the bank and at the same time it also produces some risk. Based on the consideration of prevention, this article analyzes the personal investment and operating risk of the Bank of China Hunan Branch and proposes the corresponding preventive and control measures.At first, this article, beginning at the risk classification of the personal investment and operating loan classification of loans to start, establishes the main line of the text. And then its credit risk, operational risk and market risk are analyzed theory, including the use of the theory of asymmetric information in credit risk analysis, the principal-agent theory to the analysis of operational risk.Then, this paper uses the basic information and relational data of the Bank of China Hunan Branch to analyze the loan risk according to credit risk, operational risk and market risk classification. And many risk problems are found, such as, the excessive centralized industrial and geographical distribution, the imperfect credit information system etc.Finally, based on the personal investment and operating of loan risk analysis, this paper put forward an overall preventing and controlling measure that the bank should strengthen risk culture management. At the same time, this paper also proposes a series of measures to prevent the specific credit risk and operational risk. These measures may have important reference value in preventing and controlling the risk of individual investment and operating loans.更多还原