畢業(yè)設計，本人書寫論文多年，上傳作品為畢業(yè)合格作品，完整內容。格式標準，24700字左右。介紹：
摘要

隨著中國加入WTO后外資銀行的進入，國內商業(yè)銀行面臨著前所未有的機遇和挑戰(zhàn)。特別是2006年我國金融市場全部開放后，我國商業(yè)銀行面臨著更為嚴峻的競爭環(huán)境和生存壓力。消費信貸是西方發(fā)達國家商業(yè)銀行一項較為成熟的業(yè)務。政府的大力支持、健全的法律體系、完備的信用體系等，有力地支持了該業(yè) 務的發(fā)展。同時，各家商業(yè)銀行普遍應用“個人信用風險評分模型”和“消費信貸電腦審批系統(tǒng)”，強調風險審核與風險組合控制,以風險最優(yōu)化為管理目標，實現(xiàn)消費信貸的精細化管理，有針對哈爾濱開發(fā)區(qū)支行消費信貸風險防范做出設計，這些風險管理措施有效地促進了其消費信貸業(yè)務的健康發(fā)展。
近年來，中國商業(yè)銀行的消費信貸獲得了長足的發(fā)展，從事消費信貸的商業(yè)銀行都取得了不菲的經營收入，消費信貸已成為我國各家商業(yè)銀行競相搶占的信貸業(yè)務之一，但是，隨著商業(yè)銀行消費信貸規(guī)模的不斷擴大，其自身的經營風險也隨之增大。本文結合工商銀行消費信貸的實際情況，針對哈爾濱開發(fā)區(qū)工商銀行消費信貸風險的種種問題，結合哈爾濱工商銀行消費信貸的發(fā)展歷史和現(xiàn)狀，同時借鑒國外商業(yè)銀行的先進經驗，就如何解決現(xiàn)有問題及如何控制和防范消費信貸風險提出了一些建議和并進行了具體設計。以期達到識別防范和化解消費信貸風險的效果。

關鍵詞 消費信貸 控制制度 風險防范
AbstmCt

After China's accession to WTO as the entry of foreign banks, domestic commercial banks face unprecedented opportunities and challenges. In particular, all of China's financial market in 2006 after the opening of China's commercial banks face more severe competition and survival pressures. Consumer credit, commercial banks in the Western developed countries, a more mature business. Strong government support, a sound legal system, complete credit system and so on, effectively supported the development of the business. At the same time, various commercial banks have generally applied "your credit risk scoring model" and "consumer credit computer processing system", stressed the combination of risk control and risk review to optimize the risk management objectives, achieving the precise management of consumer credit, targeted Harbin Development Zone Branch of consumer credit risk prevention to make the design, these risk management measures effective in promoting the health of its consumer credit business development.
In recent years, China's commercial banks, consumer credit was a significant development in consumer credit, commercial banks have made a lot of money in operating income, consumer credit has become China's various commercial banks competing to grab one of the credit business, but, with the consumer credit with commercial banks expanded scale, of its own business risk increases. In this paper, Industrial and Commercial Bank of China consumer credit situation, Harbin Development Zone, Industrial and Commercial Bank of China for consumer credit risk of these problems, combined with Harbin Industrial and Commercial Bank of China consumer credit history and current situation, drawing on the advanced experience of foreign commercial banks on how to solve the existing problems and how to control and prevent the risk of consumer credit and make some suggestions and the concrete design. To achieve the identification of preventing and eliminating the effect of consumer credit risk.

Key words Consumer credit Control system Risk
目錄

摘要 I
AbstmCt II
目錄 III
Directory V
第1章 銀行概況 1
1.1自然概況 1
1.2經營概況 1
1.2.1.個人住房信貸業(yè)務的運作程序 2
1.2.2.個人綜合消費貸款運作程序 4
第2章 消費信貸發(fā)展歷程及現(xiàn)狀 5
2.1消費信貸的內涵及特點 5
2.2消費信貸對哈爾濱工商銀行金融機構的作用 6
2.3我國商業(yè)銀行消費信貸發(fā)展歷程 8
2.4 xx開發(fā)區(qū)支行現(xiàn)狀現(xiàn)狀 10
第3章 xx開發(fā)區(qū)支行消費信貸風險防范制度設計 13
3.1消費信貸風險度量設計原則 13
3.2消費信貸風險評估設計 15
3.2.1個人信用評分指標的選取原則 15
3.2.2目前哈爾濱開發(fā)區(qū)商業(yè)銀行信貸風險控制中存在的問題 16
3.2.3構建完善科學有效的哈爾濱開發(fā)區(qū)商業(yè)銀行信貸風險評估預警分析設計 17
3.3消費信貸風險防范設計 18
3.3.1逐步建立全社會范圍的個人信用制度 18
3.3.2風險的事前管理 18
3.3.3 貸款人應加強對自身業(yè)務經營的監(jiān)督與管理 19
3.3.4 建立銀行內部消費信貸的風險管理體系 22
第4章 xx開發(fā)區(qū)支行信貸業(yè)務控制制度設計 23
4.1基礎管理控制制度設計 23
4.2風險控制制度設計 25
4.3信貸業(yè)務流程控制制度設計 26
結束語 30
致謝 31
參考文獻 32