民生银行商贷通贷前审查研究

发布时间：2018-08-02 21:21

【摘要】：随着我国市场经济的不断发展，小微企业也发展迅速，其促进了城乡经济的繁荣、增加了社会的就业、提高了群众的生活水平，成为确保经济社会健康、持续发展的主要力量，小微企业能否获得良性发展在很大程度上决定了我国进一步深化经济社会的可持续发展的进程的目标能否实现。但是，对小微企业的发展而言，最大的一个瓶颈就是融资的巨大需求与融资难的现实间所存在的矛盾。近年来，商业银行逐渐介入小微企业的金融领域，还将融资的有关业务提供给小微企业，商业银行陆续推出了针对微小企业融资的相关金融服务与产品。作为贷款投放的第一道防线，贷前审查尤为重要。目前银行进行贷前审查多数是从企业自身情况，以及在行业内的情况来进行调查。比较杂乱无章，没有统一的调查方法和规范。常常会因为调查的不够细致而忽略了企业是否具备贷款资格，或者调查结果与事实不相符合，虽然发放了贷款但是却出现逃贷、欠贷的情况。民生银行商贷通业务针对小微企业贷款业务，努力完善贷前审查的步骤，与其他同类银行同类业务相比具有三个显著特点：（1）使用具体的数据分析方法对贷款企业的财务资金进行分析；（2）完善并统一了贷前调查文本，，使信贷调查人员有审查依据，规范调查行为；（3）根据前期的调查，给予客户在一定额度内和时限内循环贷款的方案。最后，本文以建筑公司为例，以实际贷款过程说明贷前审查的步骤，实施效果。在实际的例子中说明了商贷通业务贷前审查的特点和重要性。
[Abstract]:With the continuous development of China's market economy, small and micro enterprises have also developed rapidly, which has promoted the prosperity of urban and rural economies, increased the employment of society, improved the living standards of the masses, and become the main force to ensure the healthy and sustainable development of the economy and society. To a great extent, whether small and micro enterprises can get good development determines whether our country can realize the goal of deepening the sustainable development of economy and society. However, for the development of small and micro enterprises, one of the biggest bottlenecks is the contradiction between the huge demand for financing and the reality of financing difficulties. In recent years, commercial banks have gradually stepped into the financial field of small and micro enterprises, and the related business of financing has been provided to small and micro enterprises, and commercial banks have launched related financial services and products for financing of small and micro enterprises one after another. As the first line of defense for lending, pre-credit review is particularly important. At present, banks conduct pre-loan reviews mostly from the companies themselves, as well as from within the industry. Relatively messy, there is no unified investigation methods and norms. Often because the investigation is not careful enough to ignore whether the enterprise has the loan qualification, or the investigation result does not accord with the fact, although issued the loan but actually appeared to evade the loan, the situation which owes the loan. Minsheng Bank Lending Business aims at the small and micro enterprise loan business, and strives to improve the steps of the pre-loan review. Compared with the similar business of other similar banks, it has three remarkable characteristics: (1) using specific data analysis method to analyze the financial funds of loan enterprises; (2) perfecting and unifying the pre-loan investigation text so that the credit surveyors can have a basis for examination. Standard investigation behavior; (3) according to the previous investigation, give the customer within a certain amount and within the time limit of revolving loan program. Finally, taking the construction company as an example, the actual loan process is used to explain the steps of the pre-loan review and the effect. The characteristics and importance of the pre-credit examination are illustrated in practical examples.
【学位授予单位】：华中科技大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.4

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