【作者】 沈俊；

【导师】 万解秋；

【作者基本信息】 苏州大学 ， 工商管理（专业学位）， 2022， 硕士

【摘要】 线上贷款是近几年商业银行发展的重点产品,它以快捷、方便等优点迅速抢占市场,在给小微企业资金支持的同时,也是银行普惠金融的重点产品。但线上贷款因为其全新的贷款模式,与传统信贷的差异化流程,导致线上贷款在发展的同时,暴露了许多风险管理的漏洞,风险管理也是银行发展线上贷款的强有力后盾。本文在梳理国内外相关理论研究的基础上,根据风险管理流程以及风险管理理论,以A银行吴江分行线上贷款风险管理为研究对象,介绍了A银行吴江分行线上贷款业务发展的现状,对线上贷款风险管理进行了诊断,分析其原因,提出了针对性的优化方案,并提供了相关的保障措施。本文的主要结论有:A银行吴江分行线上贷款风险管理主要存在的问题是客户经理风险识别能力差、线上数据不够准确、风险经理专业能力不足、线上贷款审批模型不准确、现场检查流于形式、非现场检查效果不佳、线上贷款合同签订简单、线上不良贷款催收困难。针对以上问题,分析其原因为部门间沟通协调不到位、缺乏高素质人才、考核激励有偏差、掌握信息不对称。根据原因,提出了优化的方案。第一是强化客户经理职业素质,加强数据治理规范性。第二优化信贷管理人员配置,完善线上贷款审批模型。第三多维度考核贷后风险管理,运用数据进行全流程风险管理。第四加强合同规范性审查以及不良贷款催收。最后制定了三项措施保障优化方案的实施。更多还原

【Abstract】 Online loan is a key product developed by commercial banks in recent years.It quickly seizes the market with its advantages such as speed and convenience.While providing financial support to small and micro enterprises,it is also a key product of bank inclusive finance.However,because of its new loan model and the differentiated process from traditional credit,online loans have exposed many loopholes in risk management while developing online loans.Risk management is also a strong backing for banks to develop online loans.On the basis of combing the relevant theoretical research at home and abroad,according to the risk management process and risk management theory,taking the online loan risk management of Wujiang branch of bank A as the research object,this paper introduces the current situation of the development of online loan business of Wujiang branch of bank A,diagnoses the online loan risk management,analyzes its reasons,puts forward targeted optimization schemes and provides relevant guarantee measures.The main conclusions of this paper are as follows: the main problems of online loan risk management of Wujiang branch of bank A are poor risk identification ability of customer managers,inaccurate online data,lack of professional ability of risk managers,inaccurate online loan approval model,formality of on-site inspection,poor effect of off-site inspection,simple signing of online loan contract and difficulty in online non-performing loan collection.In view of the above problems,it is analyzed that the reasons are inadequate communication and coordination between departments,lack of high-quality talents,deviation in assessment and incentive,and asymmetric information.According to the reasons,the optimization scheme is put forward.The first is to strengthen the professional quality of customer managers and strengthen the standardization of data governance.Second,optimize the allocation of credit managers and improve the online loan approval model.Third,multi-dimensional assessment of post loan risk management,using data for whole process risk management.Fourth,strengthen the normative review of contracts and the collection of non-performing loans.Finally,three measures are formulated to ensure the implementation of the optimization scheme.更多还原