国内经济改革政策的逐步落地，让我国金融体系迎来了很多新的发展契机。我 国传统金融机构的运作模式已经无法与现在的金融市场发展实现同步，金融市场 中出现了很多不同于与以往的资金需求。在此背景之下，民间资本的活跃度持续升 高，个人信贷消费业务规模急剧扩张，很多普惠信贷公司的发展也进入了黄金时期， 逐渐改变了扶贫政策性机构的性质，逐渐成为了具有市场价值的金融机构。普惠信 贷公司是自然人、企业及社会组织出资建立的金融服务机构，处于金融机构和民间 借贷两大体系之间商业性机构。普惠金融机构的存在对于我国金融领域的发展发 挥了极为有利的作用，丰富了我国金融市场的产品种类。但是由于普惠信贷资金管 理和公司运营方面与其他的金融机构存在差异，导致普惠信贷公司在发展中出现 了很多风险，极大的制约了普惠金融机构功能的发挥。本文以个人消费信用贷款为 切入点，对 P 公司相关贷款业务的风险进行分析，对该公司风险管理的不足进行 探究，通过原因挖掘形成风险应对方案，希望能够为我国普惠金融行业的发展提供 一定的参考。 本文在研究中，首先针对个人信贷管理问题展开探究，并立足问卷及访谈方法 之上提取相关的资料及数据，以 P 公司为研究对象，对其目前贷后风险存在的问 题进行分析，调查发现 P 公司贷后风险管理主要存在的问题为：客户满意度低、公 司贷后风险管理人员专业技能差、公司考核制度不完善、存在合规风险；造成的原 因分别是：客户维护方面、贷后风险管理人员专业化技能方面、P 公司贷后风险管 理绩效考核体系以及合规体系四个方面。对此本文提出了几点建议；1.从客户维护 的角度，要加强重视客户的后期维护和二次开发；2.从培训角度，要加强贷后风险 管理人员的专业和技能培训，形成完善的系统培训；3.从 P 公司自身的角度要建立 完善风险管理制度，形成标准统一的管理模式；4.从我国的大环境出发，整合个人 消费信贷行业的经验和不足，建立健全合规管理标准。 关键词：个人消费信贷 贷后风险管理 考核体系 合规II Abstract The gradual implementation of domestic economic reform policy has ushered in many new development opportunities for China's financial system, so the vitality of private capital was fully released and grow up. Meanwhile, Pratt & Whitney also scale of personal credit consumptionbusiness has expandedrapidly,andthedevelopment ofmany inclusive credit companies has entered the golden period, gradually changing the nature of poverty alleviation policy institutions and gradually becoming financial institutions with market value.Asa financial serviceinstitutionfundedbynatural persons, enterprises and social organizations, inclusive credit company is a commercial institution between financial institutions and private lending systems. The existence of inclusive financial institutions plays an extremely beneficial role in the development of China's financial sector and enriches the product categories of China's financial market. However, due to the differences between pratt & Whitney and other financial institutions in terms of fund management and corporate operation, there are many risks in the development of pratt & Whitney, which greatly restrict the function of pratt & Whitney financial institutions.This study focused on the risk management of personal consumer credit loan P company after loan, analyzed the problems and reasons of P company's risk management after loan, and gave suggestions for countermeasures. This research hopes to provide reference for the research and practice of post-loan risk management in the inclusive financial industry. First of all, this study reviewed the relevant research on personal consumption credit management, and further analyzed the problems existing in the current post-loan risk of P company this paper explores the problem of personal credit management, and extracts relevant data and data based on questionnaire and interview methods: low customer satisfaction, poor professional skills of the company's post-loan risk managers, imperfect company assessment system, and compliance risks. The reasons for these are: customer maintenance, professional skills of post-loan risk management personnel, P company post-loan risk management performance appraisal system, compliance system. In this regard,this study puttedforwardseveral suggestions: 1.Fromtheperspectiveofcustomer maintenance, we must pay more attention to the customer's later maintenance and secondary development. 2. From the perspective of training, it is necessary to strengthen the professional and technical training of post-loan risk management personnel to form a comprehensive system of training. 3. From the perspective of the P company, it isIII necessary to establish and improve the risk management system and formed a standard unified management model. 4. Based on China's environment, integrated the experience and deficiencies of the personal consumer credit industry, established and improveed compliance management standards. Key words:personal consumption credit post loan risk management assessment system complianceIV 目录 摘要...................................................I Abstract ................................................ II 目录....................................................IV 第一章 绪论.............................................1 1.1 研究背景、研究问题以及研究意义 .............................1 1.1.1 研究背景...................................................... 1 1.1.2 研究问题...................................................... 3 1.1.3 研究意义...................................................... 4 1.2 研究内容方法、难点及创新 ...................................5 1.2.1 研究内容...................................................... 5 1.2.2 研究方法...................................................... 5 1.2.3 难点及对策.................................................... 6 1.2.4 创新点........................................................ 6 第二章 相关概念及文献综述 ...............................7 2.1 相关概念 ...................................................7 2.1.1 个人消费信贷概念及种类........................................ 7 2.1.2 贷款风险管理概念及现状........................................ 8 2.1.3 个人消费信贷风险管理的理论及流程.............................. 9 2.2 国内外相关文献 ............................................11 2.2.1 国外相关研究理论............................................. 11 2.2.2 国内相关研究理论............................................. 12 第三章 P 公司贷后风险管理现状 ..........................14 3.1 P 公司发展过程 ............................................14 3.1.1 P 公司的发展 ................................................. 14 3.1.2 P 公司业务产品 ............................................... 15V 3.2 P 公司贷后风险管理流程 ....................................15 3.2.1 P 公司贷款前、贷款中的管理流程 ............................... 15 3.2.2 P 公司贷款后风险管理方法 ..................................... 17 3.2.3 P 公司贷后风险管理 KPI........................................ 18 第四章 P 公司贷后风险管理存在的问题研究.................20 4.1 P 公司贷后风险管理问题调研 ................................20 4.1.1 研究问卷设计................................................. 20 4.1.2 基础数据分析................................................. 20 4.1.3 核心数据分析................................................. 25 4.2 P 公司贷后风险管理存在的问题 ..............................28 4.2.1 客户满意度低................................................. 28 4.2.2 公司贷后风险管理人员专业度低：............................... 28 4.2.3 公司贷后风险考核体系不完善：................................. 28 4.2.4 公司贷后风险管理中存在合规风险问题：......................... 29 4.3 P 公司贷后风险管理问题的原因分析 ..........................29 4.3.1 P 公司贷后管理中缺乏对客户后期的维护 ......................... 29 4.3.2 P 公司贷后风险管理人员缺少专业化培训 ......................... 29 4.3.3 P 公司贷后绩效管理不完善导致产能不足 ......................... 30 4.3.4 P 公司贷后管理中合规体系不健全 ............................... 30 第五章 针对公司贷后风险管理问题的建议 ..................31 5.1 从贷后风险管理进行客户维护工作 ............................31 5.1.1 将客户进行等级分类........................................... 31 5.1.2 客户维护....................................................