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1、毕业论文(20__届)宁波银行个人信贷业务的发展现状及对策研究-III-摘要随着全球经济的快速增长,人民的生活水平有了一定的改善,消费结构和生活方式也发生了变化。信贷业务就是随着信用消费的产生而产生的,可以说是经济发展到一定阶段下的产物。期中政府对个人贷款持有积极的态度也为个人贷款业务的发展起到了推动的作用。随着改革的不断深入,特别是住房制度改革逐步到位,行政用车管理逐步规范,住房和汽车按揭贷款业务迅速发展,成为商业银行贷款投放的重要渠道。我国个人信贷业务自2000年以来发展迅速,浙江省宁波银行的个人信贷业务发展迅猛。虽然个人信贷消费发展速度很快,但仍受到许多因
2、素的制约,包括居民消费观念的制约,政策、法规及制度的制约、监督力度不够,银行内部管理方面的制约因素等,这些方面的制约成为了商业银行进一步扩大经营空间、拓展市场领域所面临的主要障碍。本文通过分析个人贷款风险,商业银行内部的管理等一系列问题,并结合国际和国内商业银行先进的管理经验,对商业银行个人信贷业务的发展作初步探讨和研究,归纳和总结当前我国商业银行个人信贷业务所存在的不足,并根据其现状提出相应的改进措施和建议,以期待相关部门的决策和实践起到积极的参考作用。关键词:个人信贷;宁波银行;商业银行Abstract-III-Withtherapidgrowthofthe
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