个人消费信贷违约风险的影响因素分析：总结计划汇报设计纯word可编辑

个人消费信贷违约风险的影响因素分析：总结计划汇报设计纯word可编辑内容摘要：

目的和意义；第二部分 提出我国个人消费信贷业务中存在的问题 ；第三部分 针对上述存在问题，提出相关解决方案。 四、写作提纲 引言 一 、个人消费信贷业务的现状 （一）个人消费信贷业务的规模快速加大 （二）个人消费信贷业务的种类逐步多样化 （三）个人消费信贷业务的违约风险凸显 二、个人消费信贷 违约风险的影响因素分析 （一）个人消费者自身因素 （二）商业银行与个人消费者之间的信息不对称 （三）个人消费信贷制度不健全 三、个人消费信贷违约风险的管理 （一）加强个人消费信贷抵押 担保管理 （二）构建全社会范围的个人信用环境 （三）完善个人信用评价体系 （四）建立健全专业的个人消费信贷法律制度 四 、 结论 五、进度安排 2020 年 1 月 10 日 2020 年 1 月 15 日 下达任务书 2020 年 1 月 15 日 2020 年 2 月 28 日 阅读中英文文献 2020 年 3 月 1 日 2020 年 3 月 15 日 完成文献综述，开题报 告和外文翻译 2020 年 3 月 16 日 2020 年 4 月 13 日 完成论文初稿 开题报告 5 2020 年 4 月 14 日 2020 年 4 月 20 日 修订初稿，完成二稿 2020 年 4 月 21 日 2020 年 4 月 28 日 论文定稿，装订论文 2020 年 4 月 29 日 2020 年 5 月 5 日 准备答辩 2020 年 5 月 6 日 2020 年 5 月 10 日 小组答辩 六、参考文献 [1]梁媛 ,余翊华 .消费信贷市场上的隐含担保与系统性违约 [J].特区经济 ,2020(1):6566. [2]臧慧萍 .美国个人征信业务的特征及启示 [J].经济论坛 ,2020(3):127130. [3] 平新乔 , 杨慕云 . 消 费 信 贷 违 约影 响 因 素 的 实 证研 究 [D].Finance amp。 Trade Economics,2020(7):3238. [4]郁文蕾 ,薛富升 .中国消费信贷市场中个人信用体系的构建 [N].大连海事大学学报 ,2020,8(5):5355. [5]袁亮 .个人消费信贷信息不对称的分析及对策 [J].当代经济 ,2020 (7):158159. [6]屈艳芳 ,郭敏 .个人信用对消费信贷的影响分析 [J].海南金融 ,2020(2):7477. [7]谭燕芝 ,李兰 .论我国消费信贷的发展 — 基于借鉴美国消费信贷 的视角 [J].消费经济 ,2020,24(3):3337. [8]朱维巍 .商业银行个人消费信贷业务风险因素分析 [J].北方经济 ,2020 (11):5455. [9] 高广宇 . 商 业银 行 消费 信 贷的 风险 分 析与 对策 [N]. 辽宁 广 播电 视大 学 学报 ,2020(3):8587. [10]孙德轩 ,赵息 .利率风险与个人消费贷款信用风险管理 [J].经济问题 ,2020(2):107109. [11]朱毅峰 ,涂志云 .个人消费信贷风险评估模型的建立使用和监控 [J].成人高教学刊 ,2020(1):4461. [12]王丽 .我国 发展个人消费信贷业务亟待解决的几个问题 [N].天津市财贸管理干部学院学报 ,2020,9(1):4142. [13]莫晓涛 .对防范消费信贷信用风险的措施研究 [J].广西农村金融研究 ,2020 (5):2324. [14]张婷 .中国商业银行的消费信贷制度创新 [J].上海金融 ,2020(7):1618. [15]林愚 .个人消费信贷风险防范对策分析 [J].中国信用卡 ,2020 (7):4650. [16]任金政 ,陈宝峰 ,邝焕弟 .消费信贷信用风险管理中的理性违约模型研究 [J].技术经济 .2020(8):5760. [17]刘志清 .个人消费信贷业务的风险不容忽视 [J].中国金融 ,2020(5):4546. 开题报告 6 [18]Lyn Thomas. Structural models in consumer credit[J].European Journal of Operational Research,2020,183(3):15691581. [19]Getter,Darry credit risk and pricing[J].Journal of Consumer Affairs,2020(11):13541359. [20]Xiaoqing Eleanor Xu,Jiong Liu .Consumer Credit Risk Management in an Emerging Market[J]. The Case of amp。 World Economy,2020(3):8694. 江 汉 大 学 文 理 学 院 College of Arts amp。 Science of Jianghan University 毕业论文 外文翻译 外文来源 日本一桥大学 中文译文 商业银行和中小企业信用管理策略的研究 部 （系） 商 学 部 专 业 金 融 学 姓 名 宋 健 学 号 2020 0 11 903 05 指导老师 陈 贻 汉 2020 年 3 月 15 日英文原文 1 The mercial banks and small and mediumsized enterprises credit risk management research The thesis sets out from the general theories of economic risks and banking credit risks management, to represent that economic risks are one of basic characters of modern market economy, and the banking credit risks are the focalization of the whole economic risks. The essence of risk is that the possibilities of proceeds and losses exist simultaneously, therefore encouraging meanwhile restricting the activities of main body of the market economy. The essence of mercial banks is to avoid and prevent risks under the balance of dual effects of the risk so that risks can decline to an acceptable degree while proceeds is to be taken in as much as possible. At present, western economic industry has reached a consensus on the reasons of the exposure of banking credit risks by virtue of the information nonsymmetry theory that risks stem from the adverse selection under the information nonsymmetry and moral risks and objective risks arising from information insufficiency. In addition, this thesis discusses the relations between credit risks management and equitydebt ratio management, capital abundance ratio management and internal control respectively. It also clarifies some misunderstanding on credit risks management. The abovementioned contents form Chapter One of this thesis. Chapter Two of this thesis first points out that the decisive factor of the efficiency of credit management is not the external anizational form but internal anization structure by paring the relations between various external anizational forms and the efficiency of risks management. The emphases on designing anizational structure of credit risks management should be laid on the forming of the mechanism of lateral control between different divisions and the mechanism of vertical control on different levels of subsidiaries and affiliates. After longterm development, the internal anizational structure of western mercial banks has been shaped into three functional sections: market section, operation section and administration section, which exercise the functions of marketing, business operation, and centralized administration respectively, and furthermore, control one another, cooperate one another. This kind of idea about anizational design is embodied by the 英文原文 2 plete anizational division of these three steps of credit examination, approval and investigation in the credit operation that means the departments of business operation, credit examination and risk management, which belong to three different functional sections, respectively perform the functions of research before loanproviding, examination of credit application, and supervision after loanproviding, thereby, the lateral control between different departments can be effected. The vertical control is exercised through both the allotment of credit decisionmaking power between higher levels and lower levels of business departments that means to choose centralization or decentralization of power, and al。