交通银行上海分行中小企业联保贷款信用风险控制研究

发布时间：2018-01-19 09:47

本文关键词： 交通银行中小企业联保贷款信用风险　出处：《中南大学》2013年硕士论文　论文类型：学位论文

【摘要】：摘要：联保贷款制度能够有效利用联保小组成员之间的信息交换,实现规模经济、监督便利和激励有效等目的,能够在一定程度上解决中小企业抵押物不足的融资难题,促进银行中小企业信贷业务的快速发展,是一种双赢的创新模式。但联保贷款作为一种信贷产品,同样存在各种风险,银行在开展联保贷款业务的过程中,必须严格设计联保贷款制度,注重风险的防范和规避。本文以交通银行上海分行为研究对象,探讨了交通银行上海分行中小企业联保贷款的风险控制问题。首先对有关中小企业联保贷款风险控制的相关理论进行回顾,然后介绍了交通银行上海分行中小企业联保贷款业务现状,并对其信贷风险进行了分析。随后,针对交通银行上海分行中小企业联保贷款运作中的风险问题,设计了联保贷款风险控制方案,并选取上海市汽车零配件制造行业联保贷款的实例介绍了上海分行中小企业联保贷款风险控制方案的具体实施流程。方案通过在早期联保贷款模式上进行创新,包括完善实施流程和实行一系列保障措施,使得银行的信贷风险降低。本文对交通银行上海分行中小企业联保贷款的信用风险控制方案进行探索,旨在为交通银行上海分行中小企业联保贷款的信用风险控制提供现实指导,并为各商业银行的联保贷款产品运作乃至中小企业信贷的开展提供很好的借鉴。
[Abstract]:Abstract: the UNPROFOR loan system can make effective use of the exchange of information among the members of the UNPROFOR Group to achieve economies of scale, supervision facilities and effective incentives. To a certain extent, it is a win-win innovation mode to solve the financing problem of SMEs' mortgage shortage, and to promote the rapid development of bank's SMEs' credit business. However, as a credit product, UNPROFOR loan is a kind of credit product. There are also various kinds of risks. In the process of carrying out the business of UNPROFOR loan, banks must strictly design the system of UNPROFOR loans and pay attention to the prevention and avoidance of risks. This paper takes Bank of Communications Shanghai Branch as the research object. This paper discusses the risk control of small and medium sized enterprises (SMEs) in Shanghai Branch of Bank of Communications. Firstly, it reviews the related theories about the risk control of small and medium sized enterprises (SMEs). Then it introduces the current situation of the small and medium sized enterprises (SME) loan in Shanghai Branch of Bank of Communications, and analyzes its credit risk. Then, it analyzes the risk problems in the operation of the small and medium sized enterprises (SMEs) in the Shanghai Branch of the Bank of Communications. The risk control scheme of UNPROFOR loan is designed. And selected the Shanghai auto parts manufacturing industry UNPROFOR loan example to introduce the Shanghai branch small and medium-sized enterprise UNPROFOR loan risk control plan concrete implementation flow, the scheme through in the early stage UNPROFOR loan pattern carries on the innovation. Including improving the implementation process and implementing a series of safeguards to reduce the bank's credit risk. This paper probes into the credit risk control scheme of small and medium-sized enterprises in Shanghai Branch of Bank of Communications in order to provide practical guidance for the credit risk control of small and medium-sized enterprises in Shanghai Branch of Bank of Communications. It also provides a good reference for the operation of the commercial banks'UNPROFOR loan products and the development of the SME credit.
【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】：F832.4

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