【作者】 刘欢；

【导师】 贺毅岳；

【作者基本信息】 西北大学 ， 工商管理硕士（专业学位）， 2022， 硕士

【摘要】 十九大工作报告中指出,我国经济已由高速增长阶段转向高质量发展阶段,必须坚持质量第一、效益优先,以供给侧结构性改革为主线,推动经济发展质量变革,同时,在经历过疫情之后,李克强总理作政府工作报告时说,我国是人口大国,居民消费蕴藏着丰富的潜力,要充分发挥这种优势,从需求角度出发,利用消费市场拉动内需。对于商业银行而言,对消费领域的信贷支持义不容辞,随着金融全球化步伐的加快以及利率市场化改革,互联网金融企业异军突起,对商业银行传统的经营模式造成了很大的冲击,基于此种背景,商业银行逐步转移战略阵地,一方面将客群从过去的大公司大集团转向零售市场,另一方面从流程相对复杂、经济资本占用较高的房地产市场转向流程便捷、风险相对较小的个人消费信贷业务,倡导金融科技,创新个人融资模式,创造出了客户完全线上操作的信用贷款产品,将重心从企业贷款和个人住房贷款转移至消费领域。然而,随着规模的扩大,原有风险控制体系已无法满足业务发展的要求,消费贷款不良率居高不下,贷前、贷中、贷后环节均遭遇瓶颈,如何解决此类问题迫在眉睫。本文通过对C银行个人线上消费贷款经营现状及风险管理现状的分析,结合与互联网金融企业的对比情况,运用信用脆弱理论、预期收入理论、风险控制理论等多种金融风险管理理论,从贷前的风险识别与风险评估、贷中的风险监测以及贷后风险控制和处理环节,分别深入分析了当前个人消费贷款业务中存在的多重问题,并通过完善风险模型、加强贷款监测以及推进司法程序等手段最大程度的对其进行改进,完善了个人消费贷款的风险管理框架,丰富了风险管理的业务流程与内容。最后,提出了完善互联网法律制度建设等外部保障建议措施,为本文的改进策略夯实基础。本文所改进的个人消费信贷风险管理策略力图让C银行的个人消费信贷业务能在监管愈发严格的背景下稳健发展,为其他商业银行或金融机构的风险管理研究做出参考,也为后疫情时代大力发展的个人消费市场保驾护航。更多还原

【Abstract】 The 19 th National Congress of the Communist Party of China work report pointed out that our country’s economy has been developed from high speed development stage to high quality growth stage,we should adhere to quality first,efficiency first,making supply side structural reform as the main line,promoting the quality change of economic development.At the same time,after the epidemic,Premier Li Keqiang said in his government work report that China is a country with a large population,and there is rich potential in consumer consumption.We should give full play to this advantage and use the consumer market to boost domestic demand from the perspective of demand.For the commercial Banks,support for consumer credit in the field of obligatory,however,with the speeding up of the financial globalization and market-oriented interest rate reform,the meteoric rise of the Internet financial enterprises of commercial bank’s traditional business model caused great impact,based on this background,commercial Banks,gradually shift strategy position,On the one hand,the customers from the past big company group to retail market,on the other hand from the process is relatively complex,high economic capital to take up the real estate market to process is convenient,the personal consumption credit business risk is relatively small,financial technology,innovation of personal financing mode,to create the complete customer’s credit loan products online operation,Shift the focus from corporate loans and personal home loans to consumption.However,with the expansion of the scale,the original risk control system has been unable to meet the requirements of business development,the non-performing rate of consumer loans is high,before and after the loan link has encountered bottlenecks,how to solve such problems is imminent.Based on the analysis of the current operation status and risk management status of personal online consumer loans of C Bank,combined with the comparison with Internet financial enterprises,this paper applies the theory of credit vulnerability,the theory of expected income,the theory of risk control and other guiding ideas,from the pre-loan risk identification ring,risk assessment link,The risk monitoring link in the loan and the post-loan risk control and treatment link respectively pointed out the existing problems,and by improving the risk model,strengthening the loan monitoring and promoting the judicial process and other means to improve the maximum extent of the framework of risk management,so that it is no longer apparent.Finally,it puts forward external guarantee measures such as perfecting the construction of Internet legal system,laying a solid foundation for the current improvement strategy.In this way,the personal consumption credit business of commercial banks can develop steadily against the background of increasingly strict regulation,pointing out the direction of risk management research of other commercial banks or financial institutions,and escorting the personal consumption market advocated in the post-epidemic era.更多还原