长沙银行中小企业信贷风险管理研究

发布时间：2018-04-10 04:11

本文选题：长沙银行　切入点：中小企业　出处：《湖南大学》2015年硕士论文

【摘要】：中小企业在促进经济发展、繁荣市场经济、扩大就业、财政增收等方面一直发挥着重要的作用。国际金融危机以来,各级政府纷纷出台政策加大对中小企金融支持力度,解决中小企业融资难的问题。信贷业务是银行经营的重要业务方面,是维系银行生存和发展的基础,而银行信贷是中小企业最主要的外源融资渠道,在直接融资市场日趋成熟、各大银行对大型优质企业客户争夺越来越激烈的状况下,挖掘中小企业客户资源,拓展中小企业信贷将成为银行信贷业务新的增长点。本文首先从对中小企业信贷风险管理的机构、目标与周期、收益模式、信贷支持模式等要素进行了概述。然后采取理论与实际结合的分析模式,介绍了长沙银行中小企业信贷业务发展情况及风险管理现状,选取银企信息不对称及中小企业信贷风险管理缺乏规模效应两个角度,分析当前商业银行中小企业信贷风险管理普遍存在的难点。从信贷风险管理体系、风险管理技术手段以及对中小企业信贷管理的模式三个方面对长沙银行中小企业信贷风险管理方面存在的问题进行剖析,认为是长沙银行内部控制、中小企业自身经营管理及外部金融环境等方面存在的缺陷造成了目前中小企业信贷风险管理方面存在的诸多问题。最后,从风险管理体系建设、信用评级体系建设、目标客户选取优化、产品设计优化、信贷模式创新等方面提出相关对策建议,并从组织架构、人力资源管理和信贷风险管理文化建设等三个方面提出了实施保障措施。信贷风险是商业银行面临的主要风险,是保证商业银行自身资产安全的关键。本文在阐述商业银行风险管理理论的基础上,结合长沙银行中小企业信贷管理工作中的疑点、难点问题,研究了当前长沙银行在中小企业信贷风险管理中的经验,并总结了其存在的问题,分析了问题产生的原因,并根据上述分析有针对性地提出来提高中小企业信贷风险管理的对策和实施保障。进行中小企业信贷风险管理研究,对长沙银行在保持中小企业信贷总量增长的同时,防范信贷风险、保持资产经营安全性和盈利性具有重要的现实意义。
[Abstract]:Small and medium-sized enterprises play an important role in promoting economic development, flourishing market economy, expanding employment, increasing financial income and so on.Since the international financial crisis, governments at all levels have issued policies to increase financial support to SMEs, to solve the problem of financing difficulties for SMEs.The credit business is the important business aspect of the bank management, it is the foundation to maintain the bank survival and development, and the bank credit is the most important exogenous financing channel for the small and medium-sized enterprises, which is maturing day by day in the direct financing market.Under the situation that banks compete for customers of large and high quality enterprises more and more, tapping the customer resources of small and medium-sized enterprises and expanding the credit of small and medium-sized enterprises will become the new growth point of bank credit business.This paper first summarizes the organization, target and cycle, income model, credit support model of SME credit risk management.Then adopting the analysis mode of combining theory with practice, this paper introduces the development and risk management status of SME credit business in Changsha Bank, and selects the two angles of information asymmetry between banks and enterprises and the lack of scale effect in credit risk management of small and medium-sized enterprises.This paper analyzes the common difficulties in credit risk management of small and medium-sized enterprises in commercial banks.From the credit risk management system, the technical means of risk management and the mode of SME credit management, this paper analyzes the problems existing in the credit risk management of the small and medium-sized enterprises of Changsha Bank, and considers that it is the internal control of Changsha Bank.The defects of SMEs' own management and external financial environment have caused many problems in credit risk management of SMEs.Finally, from the risk management system construction, the credit rating system construction, the target customer selection optimization, the product design optimization, the credit model innovation and so on aspect related countermeasure suggestion, and from the organization structure,Three aspects of human resource management and credit risk management culture construction are put forward.Credit risk is the main risk faced by commercial banks and the key to ensure the security of their own assets.On the basis of elaborating the theory of commercial bank risk management, this paper studies the experience of Changsha Bank in credit risk management of small and medium-sized enterprises, combining with the doubtful and difficult problems in the credit management of small and medium-sized enterprises in Changsha Bank.The paper summarizes the existing problems, analyzes the causes of the problems, and puts forward countermeasures and implementation guarantees to improve the credit risk management of small and medium-sized enterprises according to the above analysis.The research on credit risk management of small and medium-sized enterprises is of great practical significance to Changsha Bank in keeping the total credit volume of small and medium-sized enterprises increasing, preventing the credit risk and keeping the security of assets management and profitability at the same time.
【学位授予单位】：湖南大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：F832.4

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