NY银行联保贷款风险管理研究

发布时间：2018-01-01 11:35

本文关键词：NY银行联保贷款风险管理研究　出处：《中南大学》2013年硕士论文　论文类型：学位论文

【摘要】：摘要：联保贷款在我国并不是新兴事物,该贷款模式已经在农村信贷中运用多年,近几年才被中小企业所采用。正是由于联保贷款能够有效解决借款主体在缺乏抵押品的情况下融资难的问题,并且能够降低银行与借款者之间的信息不对称问题,正好符合中小企业贷款需求,因此受到广大中小企业的追捧。但是联保贷款模式在迈入中小企业大门的同时,也遭遇了不少发展阻力,由于联保贷款运用于中小企业融资的时间较短,导致运行模式还不够切合中小企业自身特点。如联保小组成员的选择问题,如何规避行业风险、防止成员合谋骗取银行贷款等问题都有待解决。此外许多中小企业还担心为其他联保企业承担连带责任而不敢贷款。而对于商业银行来说开展联保贷款业务的收益较低,风险较大,主要原因是中小企业自身信用水平不高,并且针对中小企业的信用评级体系不健全,使得银行无法准确识别贷款风险,因此如何防控联保贷款风险是本文研究的主要目的。本文先从理论层面介绍了贷款风险的相关理论,阐述了联保贷款自身是如何规避风险的,并揭示了可能导致联保贷款违约的其他风险点。本文以NY银行为背景,介绍了该银行的联保贷款业务流程以及风险防控手段,并通过个案分析方法对NY银行的一笔联保贷款业务进行案例分析,通过案例剖析,发现NY银行联保贷款运行过程中存在的问题,包括联保模式不合理所导致的联保小组成员合谋,信用评估方法不恰当所导致的企业信用水平核定不准确,银行管理制度有漏洞所导致的员工寻租行为等。然后针对这些问题提出相应的改进措施,如借鉴商会联保模式,建立互助担保基金以减少银企间的信息不对称,改进连带责任制度,提出连带收益鼓励企业按时还款。通过商户划线法和建立信用评估打分表量化企业信用水平,鼓励银行实行扁平化经营完善银行制度缺陷,建立动态联保企业档案体系,加强外部保障措施建设等。
[Abstract]:Abstract: the loan in China is not a new thing, the loans in rural credit has been used for many years, in recent years is the small and medium-sized enterprises. It is because the loan can effectively solve the main borrowing in the absence of collateral under the condition of the problem of financing, and to reduce the information asymmetry between the bank and the the borrower, exactly in line with the demand for loans for SMEs, so by the majority of the pursuit of small and medium enterprises.
But in the small and medium-sized enterprise loan mode door at the same time, also suffered a lot of development because of resistance, guaranteed loans used in the financing of small and medium-sized enterprises in a relatively short time, operation mode is not suitable to the characteristics of small and medium-sized enterprises. Problems such as selection of UNPROFOR members of the group, how to avoid industry risk, prevent members of conspiracy to defraud the bank loans and other issues need to be solved. In addition, many small and medium-sized enterprises also worry about other enterprises UNPROFOR jointly and severally liable to the loan. But for the commercial banks to carry out loan business of low income, high risk, the main reason is the small and medium-sized enterprise credit level is not high, and the credit rating system for SMEs is not perfect, so that banks can not be accurately identification of loan risk, so how to prevent and control the loan risk is the main purpose of this study.
This paper firstly introduces the related theory of credit risk, expounds the loan itself is how to avoid the risk, and reveals the risk may lead to other loan default. Based on the background of NY bank, the bank loan business process and risk control means, and method of NY bank a loan business case analysis through case analysis, through case analysis, found the running process of NY bank loan in question, including the security mode unreasonable caused by collusion among group members, credit level of enterprises credit evaluation methods inappropriate to approved is not accurate, there are loopholes in the management system in bank the staff of rent-seeking behavior. Then put forward the corresponding improvement measures to solve these problems, such as the reference chamber of UNPROFOR, the establishment of mutual guarantee fund to reduce bank The information asymmetry between the improvement of the system of joint responsibility, proposed joint income to encourage enterprises to repay on time. Through the establishment of business line method and credit evaluation scoring table to quantify credit level of enterprises, encourage banks to implement the flat management perfect bank system defects, the establishment of dynamic enterprise archives UNPROFOR system, strengthen the construction of external security measures.

【学位授予单位】：中南大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.42

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