Lanzhou University of Finance and Economics. All
| 作者 | 师玮 |
| 姓名汉语拼音 | shi wei |
| 学号 | 2018000011497 |
| 培养单位 | 兰州财经大学 |
| 电话 | 18893529996 |
| 电子邮件 | Stone_1223@163.com |
| 入学年份 | 2018 |
| 学位类别 | 专业硕士 |
| 培养级别 | 硕士研究生 |
| 学科门类 | 管理学 |
| 一级学科名称 | 工商管理硕士(MBA) |
| 学科代码 | 1251 |
| 授予学位 | 管理学硕士 |
| 第一导师姓名 | 管新帅 |
| 第一导师姓名汉语拼音 | guan xinshuai |
| 第一导师单位 | 兰州财经大学 |
| 第一导师职称 | 教授 |
| 题名 | 甘肃建行“快e贷”信用风险管理研究 |
| 英文题名 | Research on credit Risk Management of "Fast e-Loan" of Gansu Construction Bank |
| 关键词 | “快e贷” 互联网金融 信用风险管理 |
| 外文关键词 | Fast e-Loan ; Internet finance ; Credit risk management |
| 摘要 | 中国建设银行推出的全流程线上贷款产品“快e贷”是在紧跟“互联网+”时代的步伐，完全依托大数据智能平台实现对客户线上授信、线上审批、自助支用的贷款产品，因其授信快、审批快、放款快而深受当代年轻消费者喜爱。虽然“快e贷”相对于传统贷款业务真正实现了通过大数据授信审批并且全流程线上自助操作，却也成为了“快e贷”信用风险的最大根源。 本文以信用风险管理理论为基础，通过案例研究法、调查研究法、定量分析法等研究方法，通过对建行“快e贷”产品情况及现阶业务流程及风险管理机制，重点刨析了贷前和贷后问题。基于信用风险管理5C分析法对甘肃建行“快e贷”现状进行分析和风险识别，以及对甘肃建行“快e贷”违约客户特征分析。经过研究发现，“快e贷”信用风险管理贷前问题主要有借款人资格审查及授信额度偏离真实性、借款人贷款用途及还款能力存在不确定性、个人征信等信息数据审查缺乏精准性，究其原因有信息不对称、客户经理的投机行为、借款人贷款真实意愿无法揣测、收入来源不确定、数据共享存在壁垒、征信核查途径单一等。同时，在资产管控和风险监督过程中，发现“快e贷”信用风险管理贷后问题主要有贷后信用风险管理文化未渗透、贷后风险排查及责任认定未夯实、贷后监管及风险预警机制未完善，究其原因主要有客户经理风险意识薄弱、贷后回访调查流于形式化、贷后风险排查缺失、贷后监管和催收手段滞后、司法手段保障力度薄弱等。 针对甘肃建行“快e贷”信用风险管理研究发现的问题与原因，提出了以下几点对策：完善内部合规管理规定、统筹内外部数据资源、整合专业团队资源、规范约束管理机制等。同时，通过对甘肃建行“快e贷”信用风险管理的研究，对行业内目前普遍存在的信用风险问题具有一定的借鉴意义，为我国商业银行健康持续发展提供可行的研究思路。 |
| 英文摘要 | China Construction Bank launched the whole process online loan product "Fast e-Loan" is following the "Internet plus" era, relying on big data intelligent platform to achieve online credit, online approval and self help loan products, because of its fast credit, fast approval and fast payment, it is loved by young consumers today. Although "Fast e-Loan" has really passed the big data credit approval and online self-service operation in the whole process compared with the traditional loan business, it has also become the biggest source of credit risk of "Fast e-Loan". Based on the theory of credit risk management, this paper focuses on the pre loan and post loan problems of CCB through case study, investigation and quantitative analysis, as well as the current business process and risk management mechanism of CCB. Based on the 5C analysis method of credit risk management, this paper analyzes the current situation and risk identification of "Fast e-Loan" of CCB, and analyzes the characteristics of default customers of CCB. It is found that the pre loan problems of "Fast e-Loan" credit risk management mainly include the borrower qualification examination and credit line deviation authenticity, the uncertainty of the borrower's loan purpose and repayment ability, and the lack of accuracy in personal credit information data review. The reasons are information asymmetry, speculation of customer managers, the inability to predict the true willingness of the borrower's loan, and income Uncertain sources, barriers to data sharing, single channel of credit investigation and so on. At the same time, in the process of asset control and risk supervision, it is found that the post loan problems of "Fast e-Loan" credit risk management culture are not penetrated, the post loan risk investigation and responsibility identification are not consolidated, and the post loan supervision and risk early warning mechanism are not perfect. The main reasons are the weak risk awareness of customer managers, the formalization of post loan follow-up investigation, and the post loan risk investigation Lack of post loan supervision and collection methods lag behind, judicial means of protection is weak. In view of the problems and causes found in the credit risk management of Gansu Construction Bank's "Fast e-Loan", the following countermeasures are put forward: improving internal compliance management regulations, coordinating internal and external data resources, integrating professional team resources, standardizing and restricting management mechanism, etc. At the same time, through the research on the credit risk management of "Fast e-Loan" of CCB, it has certain reference significance to the credit risk problems existing in the industry, and provides feasible research ideas for the healthy and sustainable development of China's commercial banks. |
| 学位类型 | 硕士 |
| 答辩日期 | 2020 |
| 学位授予地点 | 甘肃省兰州市 |
| 页数 | 56 |
| 研究方向 | 风险管理 |
| 论文总页数 | 56 |
| 插图总数 | 0 |
| 插表总数 | 0 |
| 参考文献总数 | 0 |
| 馆藏号 | 0004021 |
| 保密级别 | 公开 |
| 中图分类号 | F203.9/801 |
| 文献类型 | 学位论文 |
| 条目标识符 | http://ir.lzufe.edu.cn/handle/39EH0E1M/30928 |
| 专题 | 兰州财经大学 |
| 作者单位 | 兰州财经大学-MBA中心 |
| 第一作者单位 | MBA教育中心 |
| 推荐引用方式 GB/T 7714 | 师玮 . 甘肃建行“快e贷”信用风险管理研究 [D]. 甘肃省兰州市. 兰州财经大学,2020. |
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| 文件名称/大小 | 文献类型 | 版本类型 | 开放类型 | 使用许可 | ||
| 甘肃建行“快e贷”信用风险管理研究.DO（575KB） | 学位论文 | 开放获取 | CC BY-NC-SA | 浏览 下载 | ||
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