包商银行微型企业贷款风险管理研究

发布时间：2018-09-13 06:23

【摘要】：发展微型企业是提高就业、改善民生、促进经济增长的有效途径。从2008年起,中国银行业监督管理委员会出台了一系列鼓励商业银行对微型企业提供信贷支持的政策,提出了“六项机制”、要求银行业金融机构设立微型企业金融服务专营机构等,为解决微型企业融资难问题提供了良好的平台。然而在国家大力倡导关注小微企业的同时,商业银行在对于微型企业的信贷支持方面仍持谨慎态度,这也直接反映出商业银行对于微型企业信贷风险的管理能力愈加重要。如何不断完善微型企业信贷风险管理、全面提升风险管控能力以实现商业银行微型贷款良性发展已成为了我国商业银行亟须解决的重要课题。论文以包商银行微型企业贷款风险管理研究为题,通过对国际国内相关研究理论的梳理,从三个部分依次对包商银行微型企业贷款现状、包商银行微型企业贷款风险管理中存在的问题、包商银行微型企业贷款风险管理方案设计等方面进行了论述,并结合包商银行在微型企业贷款方面多年来的实践经验,以微型企业的具体贷款实例为模型对风险防范措施进行剖析,明确提出控制风险的方式方法,为解决微型企业贷款风险管理问题提供了理论依据和实践指导。
[Abstract]:Developing microenterprises is an effective way to increase employment, improve people's livelihood and promote economic growth. Since 2008, the China Banking Regulatory Commission has issued a series of policies to encourage commercial banks to provide credit support to microenterprises, proposing "six mechanisms." Banking institutions are required to set up microenterprise financial service franchises, which provide a good platform to solve the financing problem of microenterprises. However, while the country strongly advocates to pay attention to small and micro enterprises, commercial banks still have a cautious attitude towards the credit support of micro enterprises, which directly reflects the increasing importance of commercial banks' ability to manage the credit risks of micro enterprises. How to improve the credit risk management of microenterprises and improve the ability of risk control in order to realize the benign development of commercial banks has become an important issue for commercial banks to solve. Based on the research on risk management of micro-enterprise loan in contractor bank, this paper analyzes the current situation of micro-enterprise loan of contractor bank from three parts, through combing the relevant research theories at home and abroad. This paper discusses the problems existing in the risk management of micro-enterprise loan in the contractor bank, the design of the risk management scheme of the micro-enterprise loan in the contractor bank, and combines the practical experience of the contractor bank in the micro-enterprise loan for many years. Taking the concrete loan example of microenterprise as the model, the paper analyzes the risk prevention measures and puts forward the ways and means of controlling the risk, which provides theoretical basis and practical guidance for solving the problem of risk management of micro-enterprise loan.
【学位授予单位】：内蒙古大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.33

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