文档介绍：摘要
本论文利用个人信贷风险的相关理论,首先对个人信贷及个人信贷风险的涵义进行了解析,然后对北票市邮政储蓄银行个人信贷风险管理情况进行了分析,最后提出了改进的建议与对策,以保障个人信贷业务持续健康发展。
本文分四个部分:
第一部分为绪论。介绍了本文的研究背景、研究思路与结构、以及在撰写文章过程中所使用的研究方法。
第二部分是个人信贷风险研究综述。首先叙述了个人信贷业务的定义及分类;然后对个人信贷的风险进行了系统阐述,包括个人信贷风险的定义、分类、特征、成因等。
第三部分是对北票市邮政储蓄银行个人信贷发展及风险管理的分析。介绍了北票邮政储蓄银行的概况,论述了该行个人信贷业务的发展现状、个人信贷业务风险的特征,最后分析了该行个人信贷业务风险管理中存在的问题,如风险研究队伍不足、组织架构无法满足个人信贷工作发展需要等。
第四部分是对策部分。围绕建立北票市邮政储蓄银行个人信贷风险管理现状,提出了增强政策研究、提升风险管理理念、提高个人信贷从业人员综合素质及能力、落实好信贷责任制、防范操作性风险、完善银行内部预警与评分机制、强化个人贷款担保管理和个人信贷资产证券化等建议及措施来确保个人信贷业务的长久有效发展。
关键词:个人信贷风险管理
Abstract
The use of individual credit risk theory in this paper, first parse the meaning of personal credit and personal credit risk, then the Beipiao Postal Savings Bank personal credit risk management analysis, and concludes with suggestions for improvement,sustained and healthy development in order to protect the consumer credit business.  This article is divided into four parts:  The first part is the introduction. Introduces the research background, research ideas and structure, and research methods used in the process of writing articles.  The second part of the Consumer Credit Risk Research. First described in the definition and classification of the consumer credit business; personal credit risk systems described, including personal credit risk definitions, classifications, characteristics, causes, and the formation of ways.  The third part is the analysis of the development of consumer credit and risk management in the Beipiao postal savings bank. Introduces the overview of the votes in North Postal Savings Bank, discusses the development status of the bank's credit business and personal credit risk characteristics, the status of risk management, the final analysis of the problems in the bank's credit risk management, such as risk research team, organizational structure can not meet the development needs of consumer credit.  The fourth part of the countermeasures part. Around the establishment of the the Beipiao Postal Savings Bank Pers