信贷风险国外研究文献

水果西瓜太郎

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菁菁super5man

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学术堂特意整理了二十个适合金融专业本科生的毕业论文题目，供大家进行参考：1、从案例看团体保险市场的问题与法律适用2、金融发展对就业增长的影响关系检验3、基于异质信号的资产价格学习机制及均衡演化路径4、中国农产品期货主力及近月合约套期保值效果研究5、现货、股指期货与股指期权套期保值组合的Delta中性动态模拟6、基于判别分析法的房地产信贷风险评价7、低碳经济发展的重要实现途径:生态资本运营8、宏观税率对国债依存度影响的实证分析9、商业银行股东关联贷款形成机制及其影响研究10、金融危机时期是产业创新的战略机遇期11、保险公司代销基金的前瞻性研究12、中国A股市场引入做空机制的市场风险分析13、新时期信托业务模式调整与风险控制14、完善公司治理结构对提升商业银行竞争力的影响15、我国商业银行并购信托业的动机及其经济后果16、中国人民银行绩效审计的现状与思考17、宏观调控背景下中小城市房地产信贷风险问题研究18、对小额支付系统定期借记业务推广难的实证研究19、欠发达地区农村金融可持续创新研究20、P2P网络借贷国内外理论与实践研究文献综述

柔和的风0751

2小时前发布

参考来源：JSTORChina's fast-evolving consumer finance market C FootnoteChina's consumer finance industry lags far behind the economy as a In 2007, consumer finance balances still came to less than 13 percent of GDP, below India and far below Singapore and South K Should recent growth rates persist, consumer lending promises to exceed 8 trillion renminbi ($2 trillion) by 2014, up from today's 7 trillion ( n1) But that calculation understates the market's latent If consumer lending on the mainland rose to Taiwan's level, for instance, the shift could unleash as much as 10 trillion renminbi in net new consumption over the next five years--an enormous opportunity for banks and China's people now have limited credit Mortgages account for 90 percent of lending to consumers, who have few choices in key product areas, such as auto loans, credit cards, and personal But the market has grown rapidly in recent Credit card issuance is skyrocketing, from 3 million cards in 2003 to 128 million by the end of Indeed, card issuance could surpass 300 million by Similarly, unsecured personal loans and installment loans, long the domain of underground lenders, have grown at an annual rate of 33 percent since 2006, to 744 billion renminbi, as leading domestic banks and consumer finance specialists strengthened their risk-management For foreign and local lenders jockeying for position in China's fast-evolving consumer finance market, we see several keys to Recognize the market's China is a collection of local markets, each at a different stage of development, with distinct risk profiles and unique consumer These markets generally evolve through three stages of development: nascent (such as Sichuan), emerging (Jiangsu), and maturing (Shanghai) Lenders should take a portfolio view, focusing on the most promising markets, but with enough diversity to capture the next wave of Find a product portfolio that matches consumer In a sense, consumer-lending products are Many consumers balance their savings and borrowing in the aggregate, not by individual Some countries (such as South Korea) have high levels of credit card usage; others rely more on cash and personal In the present early stage, the ultimate product balance in China remains to be Finding the right mix may prove crucial to success in China's fast-growing Know the rules and their New regulations issued by Chinese banking regulators in the spring of 2009 give local and foreign banks and consumer finance specialists greater access to the market, in the form of consumer finance While initially restricted to offering installment loans to retail customers with previous track records in borrowing, such companies will probably enable attackers to participate in the unsecured consumer-lending sector more quickly and at greater In addition, the further deregulation of credit cards has allowed overseas banks to issue renminbi-based These banks should target clear segments and develop the ability to serve the broader Would-be players in such a new market must tread To assure responsible lending and borrowing, the government must strengthen credit bureaus, improve financial education, support 'new to credit' products (for instance, low-limit or collateralized credit cards), and allow consumer finance balances to be Regulators and lenders must work together to improve risk management, especially the ability to identify and address organized The government must become better at spotting national and local credit China can manage the risks and has ample room to expand consumer credit--中国的快速发展消费金融市场内容 1。脚注中国的消费金融业远远落后于整体经济。 2007年，消费信贷余额仍然发生了不到国内生产总值的百分之十三，低于印度，远远低于新加坡和韩国。如果最近的增长率持续下去，消费贷款承诺2014年将超过8万亿人民币（2万亿美元），从今天的7万亿人民币。（n1）重的计算，但低估了市场的潜能。如果消费者在大陆的贷款上升到台湾的水平，例如，这种变化可能引发在未来5年高达10万亿人民币的净新的消费多 - 为银行和零售商的巨大机会。中国人民现在是有限的信贷方案。抵押贷款占贷款的百分之90的消费者，谁在关键产品领域，如汽车贷款，信用卡几个选择，以及个人贷款。但市场发展迅速，近年来。信用卡发行是暴涨的3万2003卡，为128万，到2008年底。事实上，发卡可能超过0亿，到2013年。同样，无抵押个人贷款和分期付款贷款，长期贷款的地下领域，增长百分之33在一年增长率自2006年以来，至744亿元人民币作为国内领先的银行和消费者金融专家，加强其风险管理能力。对外国和本地贷款在中国的快速发展的消费金融市场领导地位的竞赛中，我们看到一些成功的关键。 1。认识到市场的多样性。中国是一个本地市场的集合，每个在不同的发展阶段，不同的风险状况和独特的消费偏好。通过这些市场一般发展三个发展阶段：新生（如四川），新兴（江苏），和成熟（上海）。贷款人应采取组合的看法，在最有希望的市场为重点，但有足够的多样性，以捕捉到下一个发展浪潮。 2。查找产品组合相匹配的消费偏好。在某种意义上，消费信贷产品互换。许多消费者平衡储蓄和借贷总额由个别产品，而不是。如韩国的一些国家（）有信用卡使用率很高的水平;别人更多地依靠现金和个人贷款。在目前的初期阶段，在中国最终产品的平衡还有待确定。找到合适的组合可能是极端重要的在中国的快速成长的市场取得成功。 3。知道规则及其演变。由中国银行监管机构在2009年发布给当地和外国银行和消费者金融专家更自由地进入市场，消费金融公司的形式，春天的新规定。虽然最初仅限于提供分期贷款，在贷款前纪录的零售客户，这些公司将可能使攻击者在无抵押消费贷款部门的参与更迅速，规模更大。此外，信用卡的进一步放松管制已经允许外资银行发行人民币为基础的。这些银行的目标应明确部门和发展服务的能力，广阔的市场。想要成为这样一个新的市场参与者必须谨慎行事。为了保证负责任的贷款和借款，政府必须加强征信机构，完善金融教育，支持新的信贷的产品（例如，低限制或抵押信用卡），并允许消费者将证券化融资余额。监管机构和贷款人必须共同努力，改善风险管理，特别是能够识别和处理有组织的欺诈。政府要更好地察觉成为国家和地方的信贷泡沫。中国可以管理风险，有足够的空间，扩大消费信贷 - 安全。