中国银行铁岭分行中小企业信贷风险防范研究

发布时间：2018-01-02 04:34

本文关键词：中国银行铁岭分行中小企业信贷风险防范研究　出处：《辽宁大学》2012年硕士论文　论文类型：学位论文

【摘要】：中小企业的发展和壮大是当前处于经济转型时期的中国最为关注的焦点,也是决定着中国能否完成经济结构的重大调整,成功转型的重要因素之一。信贷风险对于银行科学健康发展和金融市场稳定前行的重要意义。受金融危机的影响,中小企业主破产、出逃的消息给社会带来了不稳定因素,也给市场经济带来了冲击和影响。然而,筹资融资是中小企业发展的生命线,缺乏资金一旦导致资金链断裂,企业生命岌岌可危。那么,如何将这看似矛盾的二者结合在一起,如何有效的防范和化解中小企业的信贷风险就成为一个重要的课题。本文通过一系列调查研究,定量分析,借鉴国外先进经验,总结出了作者的观点,形成了本论文,创新之处是“大风险”管理理论,即全员风险意识。第一章中将这些信息不对称等理论进行了阐述。分析了市场风险,操作风险等都可以使信贷产生风险,但是银行不会因为存在风险就放弃收益、放弃放贷。风险是客观存在的,只有采取有效的控制方法才能将风险降至最低。第二章将中国银行铁岭分行的具体信贷业务及风险现状进行了分析,为进一步发现风险防范存在的问题奠定了基础。论文提出问题是在第三章,中国银行铁岭分行中小企业信贷风险防范现状及问题。第四章对于风险防范,务必要从多角度切入,以综合治理的办法加以解决。应以“大风险”管理的理念入手,把思想认识提高到全员防范风险的高度上来,从决策到执行,层层关注；加强信贷风险的全过程管理,在贷前、贷中、贷后的各个环节上强化内控,实现风险管理的多点监督和无缝连接；除了健全和完善中小企业信贷的组织架构和业务流程外,还应该充分借鉴德国、韩国等先进商业银行的经验,开展制度和管理上的改进和创新,提升风险控制管控水平。本文对中小企业信贷情况作了阶段性的总结和整理,力求从中找到一条适合小城市银行发展的一条可行之路,为家乡银行的合理化解中小企业信贷风险提供借鉴和依据。
[Abstract]:The development and growth of small and medium-sized enterprises (SMEs) is the focus of most attention in the period of economic transition in China, and it also determines whether China can complete the major adjustment of the economic structure. One of the important factors of successful transformation. Credit risk is important for the healthy development of banking science and financial market. Affected by the financial crisis, SMEs bankruptcy. The news of flight has brought instability factors to the society, but also to the market economy impact and impact. However, financing is the lifeline of the development of small and medium-sized enterprises, once the lack of funds leads to the breakage of the capital chain. Then, how to combine the seemingly contradictory two, how to effectively prevent and resolve the credit risk of small and medium-sized enterprises has become an important topic. Through a series of investigation and research, quantitative analysis, drawing lessons from foreign advanced experience, this paper summarizes the author's views and forms this paper. The innovation is the "big risk" management theory. In the first chapter, the theory of asymmetric information is expounded, and market risk, operational risk and so on can make credit risk. But banks don't give up earnings and lend because there is risk. Risk is objective. Only by adopting effective control methods can the risk be minimized. Chapter two analyzes the specific credit business and risk situation of Tieling Branch of Bank of China. It lays a foundation for further finding the problems of risk prevention. The paper puts forward the questions in Chapter 3, the current situation and problems of credit risk prevention for small and medium-sized enterprises in Tieling Branch of Bank of China. Chapter 4th deals with risk prevention. It must be solved by comprehensive management from various angles. We should start with the concept of "big risk" management, raise our ideological understanding to the height of preventing risks, and pay close attention to it from decision-making to execution. Strengthen the whole process management of credit risk, strengthen the internal control in each link before, during and after loan, realize the multi-point supervision and seamless connection of risk management; Besides perfecting the organization structure and business process of SME credit, we should learn from the experience of advanced commercial banks, such as Germany and Korea, and carry out system and management improvement and innovation. Improve risk control and control level. This paper summarizes the credit situation of small and medium-sized enterprises and tries to find a feasible way for the development of small city banks. It can provide reference and basis for the bank to resolve the credit risk of small and medium-sized enterprises.
【学位授予单位】：辽宁大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.4

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