ZBNH银行小微企业信贷风险管理研究

发布时间：2018-04-05 05:23

本文选题：小微企业　切入点：信贷　出处：《山东理工大学》2016年硕士论文

【摘要】：小微企业以强劲的姿态迅速成为境内经济发展的活力源泉之一,其数量现今已占据境内企业全数的比值超出了95%,小微企业包罗着各行各业的新生力量及不同地区的经济潜能,其以优化就业格局、完善经济腾飞、保证科技革新及和谐社会关系等方面激发了无数潜能并形成正能量,由此小微企业的高速发展对经济可持续与社会更稳定有着极其重要的战略价值。但与小微企业的正面积极作用相比,本身存有的发展窘境如无法实现多渠道、多策略融资已成为束缚其发展的长期问题。境内商业银行在外界白热化竞争与内部盈利极限化的双重影响下,相继加大以小微企业为服务对象的金融支持投放,以试图突破目前业务的局限而完成转型。但完成这一目标首要的阻碍即为小微企业信贷引致过多不确定的风险,商业银行在该类风险评判方面的实力缺失使得商业银行很难抓住小微企业信贷这一转型关键业务而实现大发展。鉴于现实,ZBNH银行作为银行等金融机构的一个代表,一定要提升小微企业信贷风险管理的针对性、科学性与持续性,只有为小微企业客户提供市场化、差异化的融资需求,方能活化金融资源,促进业务腾飞,创新服务覆盖面。本文以文献分析法作为理论要点研究方法,以模糊综合评判法作为ZBNH银行实证研究方法,就如下思路来完成本次研究:首先阐释理论关键点,以简要介绍小微企业、信贷风险、风险管理概念界定出发,就小微企业信贷风险的类别、特征进行概略性说明。随之则就委托代理理论、信息不对称理论、企业生命周期理论等银行业管理小微企业信贷风险必须的理论条件及风险评价所需方法施以论述;其次则设定ZBNH银行为本次从事该方面研究的案例样本,经由贷前、贷中、贷后等阶段性分析掌握其小微企业信贷风险管理现状。随之同样强调信贷的三个阶段来分析其现存问题及形成缘由;随之对ZBNH银行小微企业信用风险在遵从系统性、科学性、可操作性等原则基础上,选择定量及定性指标以评价各类暗藏风险,并以此评价体系进行实例论释;研究最后则针对前方分析的贷前、贷中、贷后留存的各项问题提出有针对性的风险管理建议,即为确保评价体系得以顺利实施,提出有针对性的小微企业信贷风险管理建议,即要抓紧这几层次的工作以落实:完善贷前资信评级体系、强化贷中动态分析管理、切实做好贷后管理与监测。最终则总结研究结论并展望未来研究发展走势。
[Abstract]:Small and micro enterprises have rapidly become one of the sources of vitality for domestic economic development with a strong posture. Their number has now exceeded 95% of the total number of domestic enterprises. Small and micro enterprises include the new forces of various industries and the economic potential of different regions.In order to optimize the pattern of employment, improve the economic take-off, ensure scientific and technological innovation and harmonious social relations, etc., it has inspired countless potentials and formed positive energy.Therefore, the high-speed development of small and micro-enterprises is of great strategic value to economic sustainability and social stability.However, compared with the positive effect of small and micro enterprises, if the development dilemma can not be realized, multi-strategy financing has become a long-term problem that constrains the development of small and micro enterprises.Under the dual influence of intense competition and internal profit limit, domestic commercial banks have increased their financial support to small and micro enterprises, in order to break through the limitations of the current business and complete the transformation.But the primary obstacle to achieving this goal is the risk of too much uncertainty arising from credit for small and micro enterprises,The lack of strength of commercial banks in this kind of risk evaluation makes it difficult for commercial banks to grasp the key business of small and micro enterprise credit transformation and achieve great development.In view of the fact that ZBNH Bank, as a representative of banks and other financial institutions, must enhance the pertinence, scientificity and sustainability of credit risk management in small and micro enterprises, it is only necessary to provide market-oriented and differentiated financing needs for small and micro enterprise customers.Only then can activate the financial resources, promotes the business to take off, the innovation service coverage.This paper takes the literature analysis method as the main theoretical research method, the fuzzy comprehensive evaluation method as the ZBNH bank empirical research method, completes this research on the following train of thought: first, explains the theory key point, in order to briefly introduces the small and micro enterprise, the credit risk,Based on the definition of risk management concept, this paper gives a brief description of the types and characteristics of credit risk in small and micro enterprises.Then it discusses the necessary theoretical conditions and methods of risk evaluation in banking industry such as principal-agent theory, information asymmetry theory, enterprise life cycle theory and so on.Secondly, ZBNH Bank is set up as the case sample of this research, and the present situation of credit risk management of small and micro enterprises is grasped through stage analysis before, during and after lending.It also emphasizes the three stages of credit to analyze its existing problems and the reasons for its formation. Then, on the basis of following the principles of systematicness, scientificalness and maneuverability, the credit risk of small and micro enterprises in ZBNH Bank is followed.Select quantitative and qualitative indicators to evaluate all kinds of hidden risks, and use the evaluation system to carry out case study. Finally, the paper puts forward some specific risk management suggestions for the problems before, after, and after loan in the forward analysis.That is, in order to ensure the smooth implementation of the evaluation system, put forward targeted small and micro enterprises credit risk management proposals, that is, we should pay close attention to these levels of work in order to implement: improve the credit rating system before loans, strengthen the dynamic analysis management in loans,Do a good job of loan management and monitoring.Finally, the conclusion of the study is summarized and the trend of future research is prospected.
【学位授予单位】：山东理工大学
【学位级别】：硕士
【学位授予年份】：2016
【分类号】：F832.4

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