民生银行长沙分行小微企业信贷现状与风险控制研究

发布时间：2018-08-25 14:41

【摘要】：近年来,在我国经济发展过程中,小微企业的作用已经得到了充分的体现,与此同时,小微企业在发展的过程之中遇到的融资难问题也受到了社会各界的关注。其中,银行方面不能有效的识别和控制小微企业贷款中的风险,进而有及时有效地将贷款投到到小微企业当中是其中的重要原因之一。中国民生银行作为国内第一家主要以民营资本成立的全国性商业银行,在国内银行业中率先提出发展小微企业信贷战略,并在几年的时间里将小微业务做大做强。民生银行长沙分行随着小微企业信贷业务由高速发展转入结构调整阶段,其小微信贷业务发展面临新的风险和问题。本文以小微信贷风险管理理论为基础,从以下几个方面对民生银行长沙分行小微企业信贷现状及风险控制进行研究:首先,对长沙分行小微信贷业务发展历程及面临的风险进行了分析;其次,分析了长沙分行小微信贷业务风险类型,包括由于中小型企业及其关联企业陷入困难并产生连带效应导致的信用风险、由于贷款余额成倍增长引起的流动风险、由于市场方或核心企业资金占用、挪用、联保、互保模式集体违约引发的道德风险以及操作风险等。第三,从民生银行长沙分行风险管理中的信贷准入、开发模式、贷后风险等方面总结风险控制存在的问题,并对原因进行分析。最后,本文针对长沙分行小微信贷业务所面临的风险及风险管理存在问题,从完善信贷风险精细化管理、优化信用担保方式与信用评级、优化小微信贷流程及配套管理机制、创新小微金融产品和服务、加强专业队伍建设与优化激励机制等方面提出相关建议。民生银行长沙分行小微信贷风险控制研究不仅为其在中小企业信贷业务发展与风险控制上提供了参考,而且对其他国内商业银行发展小微信贷业务提供了一定的借鉴意义。
[Abstract]:In recent years, in the process of economic development in China, the role of small and micro enterprises has been fully reflected, at the same time, the financing difficulties encountered by small and micro enterprises in the process of development have also been concerned by all walks of life. Among them, the bank can not effectively identify and control the risk in the small and micro enterprise loans, and then put the loans into the small and micro enterprises in a timely and effective manner is one of the important reasons. Minsheng Bank of China (Minsheng Bank), as the first national commercial bank mainly established with private capital, first put forward the development of small and micro enterprise credit strategy in the domestic banking industry, and made the small and micro business bigger and stronger in a few years. With the rapid development of small and micro enterprise credit business in Changsha branch of Minsheng Bank, the development of small and micro credit business is facing new risks and problems. Based on the theory of small and micro credit risk management, this paper studies the credit status and risk control of small and micro enterprises in Changsha Branch of Minsheng Bank from the following aspects: first, This paper analyzes the development course and the risk of the small and micro credit business in Changsha Branch. Secondly, it analyzes the risk types of the small and micro credit business in Changsha Branch. Including the credit risk caused by the difficulties of small and medium-sized enterprises and their associated enterprises, the liquidity risk caused by the doubling of the loan balance, the appropriation of funds by the market side or the core enterprise, and the diversion of funds by the market side or the core enterprise. Mutual insurance mode collective default caused by moral hazard and operational risk. Thirdly, the problems of risk control are summarized from the aspects of credit access, development model and post-loan risk in the risk management of Changsha Branch of Minsheng Bank, and the reasons are analyzed. Finally, aiming at the risk and risk management problems faced by the small and micro credit business of Changsha Branch, this paper aims at perfecting the fine management of credit risk, optimizing the credit guarantee mode and credit rating, optimizing the small and micro credit process and supporting management mechanism. Some suggestions are put forward, such as innovating microfinancial products and services, strengthening professional team building and optimizing incentive mechanism. The study on the risk control of small and micro credit in Changsha Branch of Minsheng Bank not only provides a reference for the development and risk control of small and medium-sized enterprises' credit business, but also provides certain reference significance for other domestic commercial banks to develop small and micro credit business.
【学位授予单位】：南华大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：F832.4

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