深圳前海微众银行风险管理案例分析

发布时间：2018-07-28 14:53

【摘要】：2014年国务院批复5家风险自担的民营银行的试点方案,开启我国新设民营银行的探索之路。民营银行的设立能有效弥补我国银行在小微企业融资市场的欠缺,并有助于形成多层级、结构合理的银行体系,从而更好的为中小微企业、“三农”及大众创业提供具有针对性的金融服务。而作为起步较晚的银行机构,民营银行由于注册资本低、群众基础差、缺乏政府担保等在激烈的金融竞争格局下面临巨大的挑战和经营风险,如何在开展创新业务模式的同时有效的识别并做好各类风险的管理及控制,对民营银行真正发挥金融中介作用十分必要。本文首先在梳理国内外民营银行的发展历程、理论支持及风险管理相关文献的基础上,得出现阶段发展民营银行的合理性及对其进行风险管理的必要性。其次基于深圳前海微众银行在新一批设立的民营银行中所具备的代表性及普遍性,将其作为案例对象就现阶段信用风险、操作风险及内部治理风险的管理进行深入分析,探讨现阶段该银行内部风险管理及外部监管中存在的问题。结合国际及地区民营银行发展中的经验借鉴,考虑可操作性和适用性,本文对微众银行的信贷风险管理提出扩大数据获取途径及优化信贷产品追踪流程等建议,对其操作风险管理提出构建自上而下结合自下而上的管理体系等建议,同时就其内部治理提出采取关联方授信金额双重限制等建议。并进一步延伸至对我国其他民营银行的一般性建议,同时对监管当局开展监管工作及搭建良好的信用环境提出相关对策。
[Abstract]:In 2014, the State Council approved the pilot scheme of five private banks at their own risk, opening the way of exploring the new private banks in China. The establishment of private banks can effectively make up for the lack of Chinese banks in the financing market of small and micro enterprises, and help to form a multi-level, reasonable structure of the banking system, thus better for small and medium-sized enterprises. "three rural" and mass entrepreneurship to provide targeted financial services. As a banking institution with a late start, private banks face enormous challenges and operating risks due to their low registered capital, poor mass base, lack of government guarantee, and so on. How to effectively identify and control all kinds of risks while carrying out innovative business models is very necessary for private banks to play a real role in financial intermediation. On the basis of combing the development course, theoretical support and risk management literature of the private banks at home and abroad, this paper concludes the rationality of the development of private banks and the necessity of risk management at the present stage. Secondly, based on the representativeness and universality of Shenzhen Qianhai WeBank in the new batch of private banks, the paper analyzes the management of credit risk, operation risk and internal governance risk. This paper discusses the problems existing in the internal risk management and external supervision of the bank at this stage. Based on the experience of private banks in the development of international and regional banks and considering the maneuverability and applicability, this paper puts forward some suggestions for the credit risk management of WeBank, such as expanding the access to data and optimizing the tracing process of credit products. Some suggestions such as constructing the top-down and bottom-up management system are put forward for the operational risk management, and the dual restriction of the amount of credit granted by the related party is also put forward for the internal governance of the operation risk management. Furthermore, it extends to the general suggestions of other private banks in China, and puts forward the relevant countermeasures for the supervisory authorities to carry out supervision work and to build a good credit environment.
【学位授予单位】：华南理工大学
【学位级别】：硕士
【学位授予年份】：2016
【分类号】：F832.33

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