温州平安银行的金融创新研究

发布时间：2018-03-02 22:00

本文选题：温州金融创新　切入点：小微企业金融服务　出处：《天津大学》2013年硕士论文　论文类型：学位论文

【摘要】：回首2011年，在我国银根紧缩、小微企业银行信贷困难、以及外贸出口受困等诸多因素的合力下，温州爆发了民间借贷危机。本文以美国戴维斯（S.Davies）、凯恩等提出的金融创新理论为基础，详细介绍温州平安银行在实施金融创新的过程，，根据金融创新的原理，经过数据分析，从转变经营理念、:规范风险管理流程、建立约束机制、合理利用法律手段等多个方面提出了有效的金融监管体系，通过对应收账款加强控制，调整业绩考核指标，加强客户的信用调查和监控，实行有效的资信管理与控制严格考核销售部门。本文提出温州信贷危机的问题本质，主要还是温州经济整个供应链造成的社会信任危机、同时金融系统的僵化和监管缺陷等内因方面问题同时作用的结果。提出了我国金融监管体制改革,应当重视金融创新与金融监管两者之间的互补关系、规范并鼓励金融创新的发展的新观点。在识别该企业在经营中关于客户管理的主要信用风险因素中剔除了一些传统因素；在构建新的金融监管模式和服务类型中剔除了一些传统因素，并引入了一些温州特色的参照因素。本文开辟了金融监管中研究信用风险的新视角，由于更清晰地了解在信用风险管理的引入、制度建立及动态控制，在实施过程中使银行在小微企业的服务竞争中得以实现及提高了竞争能力。
[Abstract]:Looking back on 2011, Wenzhou broke out a private lending crisis due to the combination of monetary tightening, credit difficulties of small and micro enterprises, and difficulties in export. Based on the theory of financial innovation put forward by Davis S. Davieser and Kane, this paper introduces the process of financial innovation in Wenzhou Ping an Bank in detail. According to the principle of financial innovation, it is analyzed by data. This paper puts forward an effective financial supervision system from the following aspects: standardizing the process of risk management, establishing a restraint mechanism, making rational use of legal means, and so on. Through strengthening the control of accounts receivable, adjusting the performance appraisal index, etc. Strengthen customer credit investigation and monitoring, implement effective credit management and control, strictly assess sales department. This paper points out that the essence of Wenzhou's credit crisis is mainly the crisis of social trust caused by the whole supply chain of Wenzhou economy. At the same time, it is the result of the simultaneous action of the internal causes such as the rigidity of the financial system and the regulatory defects. It is pointed out that the reform of the financial supervision system in China should attach importance to the complementary relationship between the financial innovation and the financial supervision. The new viewpoint of standardizing and encouraging the development of financial innovation. Some traditional factors have been eliminated from the identification of the main credit risk factors of customer management in the operation of the enterprise; Some traditional factors are eliminated in the construction of new financial supervision mode and service type, and some reference factors with Wenzhou characteristics are introduced. This paper opens up a new angle of view for the study of credit risk in financial supervision. Due to a clearer understanding of the introduction of credit risk management, system establishment and dynamic control, banks have been able to achieve and improve their competitive power in the service competition of small and micro enterprises in the process of implementation.
【学位授予单位】：天津大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.33

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