广东工行小企业信贷风险管理研究

发布时间：2018-05-18 09:05

本文选题：广东工行 + 小企业信贷　；参考：《湖南大学》2013年硕士论文

【摘要】：金融危机以来,各级政府纷纷加大对小企业金融支持力度,以解决小企业融资难的问题。但是,由于小企业贷款具有高风险的特点,各商业银行在大力发展小企业信贷的同时又要积极防范小企业信贷风险。本文对中国工商银行广东省分行(简称：广东工行,下同)的小企业信贷风险管理进行探讨,有利于提升小企业信贷风险管理的科学性和可行性,实现广东工行小企业信贷业务的健康持续发展。本文首先在借鉴国内外有关小企业信贷风险管理研究成果的基础上,从广东工行概况入手,通过分析近几年广东工行小企业贷款的各项数据,揭示了广东工行在小企业信贷风险管理中存在的实际问题,并剖析了问题形成的外部和内部原因。然后,结合管理实际提出了广东工行小企业信贷风险管理体系的设计目标和思路,在此基础上为广东工行构建了一套较完善的小企业信贷风险管理体系,包括小企业信用评级体系、小企业授信管理体系、小企业抵(质)押物评估管理体系和小企业信贷风险监测体系。最后,为了保障广东工行小企业信贷风险管理体系的实施,从组织架构、人力资源管理、信贷风险管理文化和融资产品创新这四个方面提出了相应的配套保障措施。本文的研究将为广东工行解决小企业信贷风险管理中现存的问题和构建符合自身特点的风险管理机制做出一定的贡献,促使广东工行在保持小企业信贷总量增长的同时,有效防范信贷风险,保持资产经营安全性和盈利性。同时,为其他商业银行的小企业信贷风险管理提供借鉴。
[Abstract]:Since the financial crisis, governments at all levels have increased their financial support to small businesses to solve the problem of financing difficulties. However, because of the high risk of small business loans, commercial banks should actively guard against small enterprise credit risk while vigorously developing small enterprise credit. This paper discusses the credit risk management of small enterprises in the Guangdong Branch of Industrial and Commercial Bank of China (ICBC), which is helpful to improve the scientific and feasibility of credit risk management in small enterprises. To achieve the Guangdong Industrial and Commercial Bank of China small enterprise credit business healthy and sustainable development. Based on the research results of credit risk management of small enterprises at home and abroad, this paper begins with the general situation of Guangdong Industrial and Commercial Bank of China, and analyzes the various data of loans to small enterprises of Guangdong Industrial and Commercial Bank of China in recent years. This paper reveals the practical problems existing in the credit risk management of small enterprises, and analyzes the external and internal reasons for the formation of the problems. Then, combined with the management practice, the paper puts forward the design objectives and ideas of the credit risk management system for the small enterprises of Guangdong Industrial and Commercial Bank of China (ICBC), and builds a set of perfect credit risk management system for the Guangdong Industrial and Commercial Bank of China (ICBC) on this basis. It includes small enterprise credit rating system, small enterprise credit management system, small enterprise credit assessment management system and small enterprise credit risk monitoring system. Finally, in order to ensure the implementation of the credit risk management system of the small enterprises of the Guangdong Industrial and Commercial Bank of China, the corresponding supporting measures are put forward from the following four aspects: organizational structure, human resource management, credit risk management culture and innovation of financing products. The research in this paper will contribute to solve the existing problems in the credit risk management of small enterprises and build a risk management mechanism that conforms to its own characteristics, which will promote ICBC to maintain the total amount of credit in small enterprises at the same time. Effectively guard against credit risk and keep assets safe and profitable. At the same time, for other commercial banks to provide reference for small enterprise credit risk management.
【学位授予单位】：湖南大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F276.3;F832.33

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