[在此处键入]新疆大学毕业论文(设计)题目:我国商业银行个人信贷业务的发展与风险指导老师:古丽娜尔学生姓名：木叶赛尔·克兰木所属院系：经济与管理学院专业：金融班级：12-2完成日期：摘要国内商业银行的信贷服务展现出持续进步的趋势，贷款余额持续提高，个人信贷业务身为信贷业务最关键的构成方面得到显著的发展，逐渐步入发展高速期。现在全球各个国家银行产业之间的竞争更加激烈，其他国家的银行开始开展综合战略调节。个人信贷业务因为自身独有的特点，资本损耗少、效益空间大，开始得到银行的重视。加强商业银行个人信贷风险管理研究具有重要的意义。本文第一章讲的是选题背景与意义；第二章叙述国内商业银行个人信贷有关理论探究；第三章叙述国内商业银行个人消费信贷业务的发展情况；第四章叙述国内商业银行此业务中现在出现的问题；第五章叙述管控个人信用风险发展，以及对国内目前个人信贷业务相关问题的处理方案，最终叙述结论。关键词：商业银行；个人信贷；风险管理ABSTRACTOurCountryCommercialBankCreditBusinessHasBeenRapidBevelopmentMomentum,Risingloans,PersonalCreditBusinessCreditBusinessasPartOfanImportantDevelopmentMoreRapidly,HasEnteredaPeriodOfRapidGrowthandDevelopment.AtPresent,TheCompetitionBetweenBanksinTheWorldisBecomingMore,andForeignBanksareCarryingOutTheStrategicAdjustmentOfBankingBusiness.PersonalCreditBusinessHasAttractedMoreandMoreAttentionFromBanksBecauseofItsUniqueCharacteristics,LowCapitalConsumptionandLargeProfitMargins.RetailSalesHaveBecomeTheBasicTrendofTheStructuralAdjustmentOfPersonalCreditBusiness.ItisOfGreatPracticalSignificancetoStrengthenTheStudyOfIndividualCreditRiskManagementOfCommercialBanks.TheFirstChapterIsAboutTheBercialBankPersonalCreditRelatedTheory;TheThirdChapterisAboutTheCurrentSituationOfTheDevelopmentOfPersonalConsumerCreditBusinessOfCommercialBanksinChina;TheFourthChapterisAboutThePersonalCreditBusinessOfCommercialBanksinChina;TheFifthChapterTheSuggestionstoTheDevelopmentOfPersonalCreditBusinessOfChina'sCommercialBankPersonalCreditRiskControl,TheLastPartisTheConclusion.KeyWords:CommercialBanks;PersonalCredit;RiskManagement目录TOC\o"1-3"\h\z\uHYPERLINK\l"_Toc483351721"1绪论PAGEREF_Toc483351721\h5HYPERLINK\l"_Toc483351722"1.1选题背景与意义PAGEREF_Toc483351722\h5HYPERLINK\l"_Toc483351723"1.2国内外研究现状及评述PAGEREF_Toc483351723\h6HYPERLINK\l"_Toc483351724"1.2.1国内研究现状PAGEREF_Toc483351724\h6HYPERLINK\l"_Toc483351725"1.2.2国外研究现状PAGEREF_Toc483351725\h6HYPERLINK\l"_Toc483351726"