基层邮储银行的中小企业信贷项目风险管理研究

发布时间：2018-04-23 16:38

本文选题：邮储银行 + 信贷管理　；参考：《湘潭大学》2012年硕士论文

【摘要】：银行的基本功能在于生产和出售公众所需的金融服务，，而在这些服务品种当中最为重要的产品便是提供贷款。各家银行主体在前期的信贷项目开展中，其信贷市场目标主要追逐于规模较大、风险较小、效益性可期的项目，信贷门槛呈现出高而严的势态，但是随着中小企业数量的急剧上升及在国民经济生活中日益显现的突出地位，无论是出于国家的宏观调控还是基于自身的信贷业务发展，中小企业的信贷项目成为了时下各银行主体的信贷热点。但是这些项目受企业自身规模小、经营能力与经营底蕴不足、资本充足率低、市场竞争能力弱，受市场冲击影响大等多种因素的影响，信贷风险较大，银行主体对这类信贷项目的贷款风险评估和控制的难度较高，这一问题也正是我国商业银行目前所面临的一个重要发展瓶颈，所以，银行主体完善对于中小企业信贷风险的管控将在内部管理机制的改革创新、不良贷款的抑制、自身市场竞争力的提升、以及对借款企业项目的有序进行等都有着重要意义。邮政银行属于业内的新生代，在信贷业务的经营上更是属于业内“后进”，受该项业务发展时间限制以及经营经验短缺的双重影响，邮政银行信贷业务的发展无论是在管理还是在市场份额的抢夺中都远远滞后于同业其他先进主体。针对这一情况，本文通过采取理论分析法、实际调研法、案例分析法等三种研究方法，在充分学习与借鉴已有信贷相关的理论的基础上，以基层邮政银行A行的信贷个案为例，对该个案进行了深入分析，针对该行在信贷项目开展中的贷前调研分析、贷中审批与授信、贷后管理及管户信贷员制度进行了逐一分析问题，并查找了相应原因。随后在此基础上，在借鉴其他先进同业主体优秀经验的基础上，根据邮政银行的实际情况，有针对性与改进性的提出了相关建议，建议的提出重在有的放矢，借鉴但不盲目跟从，其中特别是在贷后管理中对目前现行的“管户信贷员”制度予以取消，实施专业化的客户经理制建议对于信贷市场的扩容及贷后的高效、有序管理都将起到非常重要的作用。
[Abstract]:The basic function of banks is to produce and sell the financial services needed by the public, and the most important product of these services is the provision of loans. The main body of each bank in the earlier credit projects, its credit market objectives are mainly chasing in the larger scale, less risk, the benefit of the project, the credit threshold shows a high and strict situation. However, with the rapid increase in the number of small and medium-sized enterprises and the increasingly prominent position in the national economic life, whether out of the country's macro-control or based on its own credit business development, The credit project of small and medium-sized enterprises has become the credit hot spot of each bank main body nowadays. However, these projects are affected by a variety of factors, such as small scale of enterprises, insufficient management ability and operating details, low capital adequacy ratio, weak market competitiveness, and large impact of market impact. It is very difficult for the main body of bank to evaluate and control the loan risk of this kind of credit project. This problem is also an important development bottleneck faced by the commercial banks in our country at present, so, The improvement of bank subject will play an important role in the reform and innovation of internal management mechanism, the suppression of non-performing loans, the promotion of market competitiveness, and the orderly implementation of loan enterprise projects. Postal banks belong to the new generation of the industry, and they are even more "backward" in the operation of the credit business, which is affected by the time limit for the development of the business and the shortage of business experience. The development of postal bank credit business lags far behind other advanced subjects in management and market share grabbing. In view of this situation, this paper adopts three research methods: theoretical analysis, practical investigation and case analysis. On the basis of fully studying and drawing lessons from the existing theories related to credit, this paper takes the credit case of line A of grass-roots postal bank as an example. This paper makes a thorough analysis of this case, analyzes the problems one by one, and finds out the corresponding reasons for the investigation and analysis of the bank's pre-loan investigation and analysis in the development of the credit project, the examination and approval of credit in the loan, the management after the loan and the credit officer system. Then on this basis, on the basis of drawing lessons from the excellent experience of other advanced industry subjects, according to the actual situation of the postal bank, the relevant suggestions are put forward, which focus on the target. Especially in the post-loan management, the current "management credit officer" system should be abolished, and the professional account manager system should be applied to the expansion of the credit market and the efficiency of the loan. Orderly management will play a very important role.
【学位授予单位】：湘潭大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.4

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