哈尔滨银行小微企业信贷风险防范研究

发布时间：2018-01-21 02:20

本文关键词： 小额信贷信贷风险哈尔滨银行风险防范　出处：《哈尔滨理工大学》2013年硕士论文　论文类型：学位论文

【摘要】：小微企业有力地促进了我国经济增长与技术创新，创造了大量就业岗位，，是我国国民经济发展的重要基础，而小微企业融资却是长期难以破解的问题。哈尔滨银行在外部竞争压力和内部利润驱使之下，选择了积极发展小额信贷的战略目标，坚持“立足龙江，支持中小，服务东北，面向全国”的发展定位，努力打造“国内一流国际知名小额信贷银行”。然而小微企业的信贷风险问题在一定程度上影响哈尔滨银行小微信贷业务的快速发展。因此，对小微企业信贷风险进行科学、高效的管理成为哈尔滨银行拓展小微金融业务的必然选择。本文首先介绍了国内外有关小微企业信贷风险管理的研究和理论，介绍了小微企业的有关概念及在国民经济中的地位与作用，总结了小微企业信贷业务的自身特点，详细介绍了信贷业务风险中贷前调查、调中审批及贷后管理的动态管理模式。概括介绍哈尔滨银行的小微企业信贷业务的开展情况，分析了目前的优势和不足，并指出哈尔滨银行小微企业信贷业务目前存在的风险，深入分析了哈尔滨银行小微企业信贷业务风险的主要三个方面，为企业自身存在的问题、外部环境及相关体系的不健全及银行自身存在的问题，分析了小微企业信贷的表现类型，并从企业本身固有的缺陷、银行自身的不足及外部环境的约束三方面对小微企业信贷业务风险进行风险评估，由于多因素共同影响下，要求银行应从多渠道去解决，必须多管齐下才能够取得比较好的效果，进而提出应对小微企业信贷业务风险防范的措施，如从创新风险管理理念、提升业务经营能力、准确把握客户偿债能力、加快服务产品创新、提升贷后管理能力等方面。
[Abstract]:Small and micro enterprises have promoted the economic growth and technological innovation of our country, created a large number of jobs, which is the important foundation of the development of our national economy, but the financing of small and micro enterprises is a problem that is difficult to solve for a long time. Under the pressure of external competition and internal profit, Harbin Bank has chosen the strategic goal of actively developing micro-credit, insisting on the development orientation of "based on Longjiang River, supporting small and medium-sized enterprises, serving the Northeast and facing the whole country". Try to create a "domestic first-class international well-known microfinance bank". However, the credit risk of small and micro enterprises to some extent affect the rapid development of small and micro credit business of Harbin Bank. Scientific and efficient management of credit risk of small and micro enterprises has become the inevitable choice for Harbin Bank to expand its small and micro financial business. This paper first introduces the research and theory of credit risk management of small and micro enterprises at home and abroad, introduces the related concepts of small and micro enterprises and their status and role in the national economy. This paper summarizes the characteristics of the credit business of small and micro enterprises, and introduces the pre-loan investigation in the risk of credit business in detail. This paper introduces the dynamic management mode of the examination and approval and post-loan management of the Bank of Harbin. It introduces the development of the credit business of the small and micro enterprises of Harbin Bank, and analyzes the advantages and disadvantages at present. The paper also points out the risk of the credit business of Harbin Bank, and analyzes the main three aspects of the risk of the credit business of Harbin Bank, which are the problems of the enterprise itself. The external environment and related systems are not perfect and the problems of banks themselves are analyzed. The performance types of small and micro enterprises' credit are analyzed, and the inherent defects of the enterprises themselves are analyzed. Under the influence of many factors, banks are required to solve the risk assessment of small and micro enterprises' credit business from the aspects of their own shortcomings and external environment constraints. Must be multi-pronged in order to achieve better results, and then put forward measures to deal with the risk prevention of small and micro enterprises credit business, such as innovation of risk management concept, enhance business management capacity. Accurately grasp the ability of customers to repay debt, accelerate service product innovation, enhance the ability of management after loan, etc.
【学位授予单位】：哈尔滨理工大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.33

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