哈尔滨银行A分行小微企业信贷风险管理研究

发布时间：2018-01-06 03:15

本文关键词：哈尔滨银行A分行小微企业信贷风险管理研究　出处：《天津财经大学》2015年硕士论文　论文类型：学位论文

【摘要】：从2014年年初开始,A地区开始正式实施注册资本登记制度的改革工作,据工商部门统计,在近一年时间里,该地区小微企业出现了井喷式增长。可见,小微企业在我国市场经济中有着很高的发展潜力,并将扮演着重要的角色,随着小微企业数量的不断加大,商业银行看好了小微企业信贷这片广阔的市场,创新小微信贷产品,加强信贷风险的管理水平,对提高银行经济效益、提高综合实力有着深远的影响,更对商业银行的资产安全和长远发展有着不一般的意义。在本文的论述中,先是对小微企业信贷风险进行分类,之后对哈尔滨银行A分行小微企业信贷风险管理现状做出了归纳阐述,并从中发现一部分值得探讨和修改的地方,而这些问题有可能会遍及信贷前期、贷款中期、贷款后期工作中。不足问题包括银行人员风险意识薄弱,业务知识不过硬,工作流于形式,缺乏动态监管,风险预警和信息反馈机制不够完善,缺乏贷后专员等。其次,又从银行自身角度以及企业自身角度分析了哈尔滨银行A分行风险管理之所以产生这些问题的原因,根据分析,银行角度的原因包括：激励机制存在缺陷,组织结构不合理,贷后管理认识不到位,逆向选择问题,趋利性使然,缺乏小微企业整合信息数据库等,企业角度的原因有：自身资本实力薄弱,内部经营管理不规范,资产不足、无法提供足额的抵押物,易于逃避银行债务等。最后,针对上述问题,本文归纳和借鉴了国际上先进银行对于小微企业风险管控的经验,对哈尔滨银行A分行风险管理提出了以下可以改进的方法：完善内部控制机制,健全风险管理机制,加强风险管控各个不到位的关键点,加强人才培训、完善激励机制,提升服务质量,促进和谐信贷关系。本文的主要创新点是从哈尔滨银行基层分行的角度出发,研究小微贷款的现状和现行风险管理思路,当前,银行风险管理支撑要点不单单在于理论,而在于实际操作中的每个环节。本文将实际工作中所面对的风管要点提炼出来,进一步强调风险管理文化的重要性,另外,技术靠谁来贯彻,规定靠谁来执行,这些都需要素质过硬的员工。中小银行该如何抉择利益和风险,通过本文的论述,希望中小银行可以在众多小微企业中挑选出优质的客户并可以长期合作下去。
[Abstract]:From the beginning of 2014, the reform of registered capital registration system began to be implemented in area A. According to the statistics of industry and commerce department, in the past year, small and micro enterprises in this area appeared blowout growth. Small and micro enterprises have high development potential in the market economy of our country, and will play an important role. With the increasing number of small and micro enterprises, commercial banks are optimistic about the small and micro enterprise credit this broad market. Innovating small and micro credit products and strengthening the management level of credit risk have a profound influence on improving the economic benefits of banks and improving their comprehensive strength. In this paper, first of all, the credit risk of small and micro enterprises is classified. After that, the paper summarizes the current situation of credit risk management of small and micro enterprises in Harbin Bank A Branch, and finds out some areas worth discussing and modifying, and these problems may spread throughout the early credit period. The problems include weak risk awareness of bank personnel, poor business knowledge, lack of dynamic supervision, risk early warning and information feedback mechanism. Second, from the perspective of the bank itself as well as from the perspective of enterprises to analyze the causes of these problems in Harbin Bank A Branch risk management, according to the analysis. The reasons include: the incentive mechanism is defective, the organizational structure is unreasonable, the understanding of post-loan management is not in place, the problem of adverse selection, the tendency of profit, the lack of small and micro enterprises integrated information database and so on. The reasons of the enterprise angle are: its own capital strength is weak, the internal management is not standardized, the assets are insufficient, it is unable to provide the full amount of collateral, easy to evade the bank debt and so on. Finally, to solve the above problems. This paper summarizes and draws lessons from the international advanced banks for small and micro enterprise risk management experience, to Harbin Bank A Branch risk management can be improved as follows: improve the internal control mechanism. Improve the risk management mechanism, strengthen the key points of risk control, strengthen the training of talents, improve the incentive mechanism, and improve the quality of service. To promote harmonious credit relationship. The main innovation of this paper is to study the current situation and risk management ideas of small and micro loans from the perspective of the basic branch of Harbin Bank. The key points of bank risk management support lie not only in theory but in every link in practical operation. This paper abstracts the key points of air duct in practical work and further emphasizes the importance of risk management culture. In addition, the technology depends on who to carry out, the stipulation depends on who to carry out, these all need the excellent quality staff. How should the small and medium-sized bank choose the benefit and the risk, through this article discussion. I hope small and medium-sized banks can select high-quality customers from many small and micro-enterprises and cooperate with each other for a long time.
【学位授予单位】：天津财经大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：F832.4;F276.3

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