哈尔滨银行小企业信贷风险管理存在的问题和对策研究

发布时间：2018-01-18 08:28

本文关键词：哈尔滨银行小企业信贷风险管理存在的问题和对策研究　出处：《哈尔滨工业大学》2012年硕士论文　论文类型：学位论文

【摘要】：随着我国经济快速发展，小企业作为经济增长和拉动就业的主要推动力量之一，在我国经济社会中所处的地位日趋重要，随之而来的，小企业融资难问题也受到社会各界的广泛关注。与大型企业相比，小企业具有财务管理不规范、经营规模较小、抗风险能力差等特点，这就要求商业银行研究小企业信贷业务风险控制，，建立起一整套风险控制体系，既要适合小企业的经营特点，也必须遵循信贷风险管理的原则，以保证业务的正常开展，即为小企业发展提供资金支持，又使银行分散资金风险，提高银行的竞争力。本文主要研究作为城市商业银行的哈尔滨银行如何针对小企业信贷进行风险控制。本文首先对目前小企业信贷业务国内外的研究现状进行了分析，结合小企业的特点指出存在小企业融资难合小企业信贷业务的风险特点，其次通过对哈尔滨银行发展小企业信贷业务的内外部环境以及发展现状的分析，找出哈尔滨银行在小企业信贷风险管理中存在的问题和产生的原因，主要包括：缺乏小企业信贷风险计量体系和风险预警机制、没有形成标准化的流程作业、小企业信贷信息系统薄弱、授信审批缺乏独立性等。最后针对哈尔滨银行小企业信贷风险管理中存在的问题，本文提出了具体的对策和建议，主要包括：建立和完善小企业信贷风险管理控制体系，完善审批机制和风险管理制度，完善贷后管理和风险预警机制，加强团队建设，建立小企业信贷风险管理文化。
[Abstract]:With the rapid economic development of our country, as one of the main driving forces of economic growth and employment, small enterprises play an increasingly important role in our economic society, followed by. Compared with large enterprises, small enterprises have the characteristics of non-standard financial management, small scale of operation, poor ability to resist risks and so on. This requires commercial banks to study the risk control of small enterprises' credit business, and establish a set of risk control system, which should be suitable for the management characteristics of small enterprises, but also must follow the principles of credit risk management. In order to ensure the normal development of business, that is, to provide financial support for the development of small enterprises, and make banks disperse the risk of capital. This paper mainly studies how Harbin Bank, as a city commercial bank, can control the risk of small enterprise credit. Firstly, this paper analyzes the current domestic and international research status of small enterprise credit business, and points out the risk characteristics of small enterprise financing difficult to match small enterprise credit business in combination with the characteristics of small enterprise. Secondly, through the analysis of the internal and external environment and the current situation of the development of the small enterprise credit business in Harbin Bank, we find out the problems and causes of the Harbin Bank in the small enterprise credit risk management. Mainly include: lack of small enterprise credit risk measurement system and risk warning mechanism, there is no standardized process operation, small enterprise credit information system is weak. The lack of independence of credit approval and so on. Finally, aiming at the problems existing in the credit risk management of Harbin Bank small enterprises, this paper puts forward the specific countermeasures and suggestions. Mainly include: establish and perfect the small enterprise credit risk management control system, perfect the examination and approval mechanism and the risk management system, perfect the post-loan management and risk early warning mechanism, strengthen the team building. Establish a small business credit risk management culture.
【学位授予单位】：哈尔滨工业大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.4

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