商業(yè)銀行消費(fèi)信貸的風(fēng)險(xiǎn)分析與對(duì)策思考

商業(yè)銀行消費(fèi)信貸的風(fēng)險(xiǎn)分析與對(duì)策思考

摘要：

隨著近些年經(jīng)濟(jì)全球化發(fā)展趨勢(shì)的日益明顯，市場(chǎng)競(jìng)爭(zhēng)壓力越來越大。經(jīng)濟(jì)發(fā)展中銀行是不可或缺的，不論日常生活，還是商業(yè)發(fā)展。可以說銀行關(guān)系著社會(huì)穩(wěn)定和國家經(jīng)濟(jì)建設(shè)。商業(yè)銀行進(jìn)入飛速發(fā)展階段，銀行想要持久發(fā)展下去必須做好風(fēng)險(xiǎn)管理，只有提高風(fēng)險(xiǎn)管理水平，才能增強(qiáng)競(jìng)爭(zhēng)力。尤其消費(fèi)信貸風(fēng)險(xiǎn)管理，雖然我國各大商業(yè)銀行的消費(fèi)信貸管理水平隨著業(yè)務(wù)的發(fā)展普通增強(qiáng)，但由于消費(fèi)信貸風(fēng)險(xiǎn)技術(shù)量化能力不匹配，消費(fèi)信貸管理發(fā)展還是受到不同程度的抑制，導(dǎo)致綜合消費(fèi)信貸管理制度的發(fā)展出現(xiàn)偏差，消費(fèi)信貸面臨多重金融風(fēng)險(xiǎn)，商業(yè)銀行必須明確風(fēng)險(xiǎn)類型，積極采取有效方法解決。

[關(guān)鍵詞]： 信貸消費(fèi)    商業(yè)銀行     風(fēng)險(xiǎn)防范

目       錄

前言 ····································································································································· 6

一、我國商業(yè)銀行消費(fèi)信貸風(fēng)險(xiǎn)概述············································································ 6

（一）、消費(fèi)信貸 ·············································································································· 6

（二）、消費(fèi)信貸風(fēng)險(xiǎn)········································································································ 6

1.信用風(fēng)險(xiǎn)··························································································································· 6

2.流動(dòng)性風(fēng)險(xiǎn)······················································································································· 6

3.市場(chǎng)風(fēng)險(xiǎn)··························································································································· 7

二、商業(yè)銀行消費(fèi)信貸的風(fēng)險(xiǎn)分析················································································· 7

（一）、商業(yè)銀行內(nèi)部消費(fèi)信貸的風(fēng)險(xiǎn)管理意識(shí)不足·················································· 7

（二）、商業(yè)銀行風(fēng)險(xiǎn)量化的能力不足············································································· 7

（三）、內(nèi)部機(jī)制不完善······································································································· 8

三、商業(yè)銀行管理消費(fèi)信貸風(fēng)險(xiǎn)的方法··········································································· 8

(一)、加強(qiáng)商業(yè)銀行組織結(jié)構(gòu)設(shè)計(jì)的科學(xué)性································································· 8 

(二)、商業(yè)銀行風(fēng)險(xiǎn)量化的能力不足·············································································· 9

1.完善貸款制度·················································································································· 9

2.健全擔(dān)保抵押制度············································································································· 9

3.制定風(fēng)險(xiǎn)分散制度············································································································· 10

4.提升風(fēng)險(xiǎn)控制團(tuán)隊(duì)專業(yè)能力··························································································· 10

5.加強(qiáng)責(zé)任追究力度，嚴(yán)肅信貸紀(jì)律············································································· 10

(三）、構(gòu)建消費(fèi)信貸風(fēng)險(xiǎn)防范制度················································································· 11

四、 改進(jìn)和完善商業(yè)銀行消費(fèi)信貸管理制度的科學(xué)思路········································· 11

(一)、強(qiáng)化法人制度，建立合理、科學(xué)的消費(fèi)信貸管理體制 ······························· 11

、改進(jìn)并完善風(fēng)險(xiǎn)管理的政策性建設(shè)······························································· 12

1.完善信用評(píng)級(jí)體系，提升信貸風(fēng)險(xiǎn)量化能力 ·························································· 12

2.嚴(yán)格審查客戶消費(fèi)信貸風(fēng)險(xiǎn)························································································· 12

3.采用加強(qiáng)信貸擔(dān)保的審查，進(jìn)行消費(fèi)信貸風(fēng)險(xiǎn)的量化·············································· 12

五、 借鑒外國商業(yè)銀行消費(fèi)信貸管理的成功經(jīng)驗(yàn)······················································ 12

(一)、風(fēng)險(xiǎn)評(píng)級(jí)與消費(fèi)信貸管理齊進(jìn)行 ··································································· 13

(二)、實(shí)行信貸限額管理以杜絕超額信貸的可能····················································· 13

(三)、采用先進(jìn)的消費(fèi)信貸管理的信息系統(tǒng)為決策提供真實(shí)、準(zhǔn)確的依據(jù)·······13

(四)、重視不良資產(chǎn)的轉(zhuǎn)化爭(zhēng)取雙贏·········································································· 13

六、 結(jié)束語························································································································ 13 

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