浦发银行长沙分行中小企业授信风险管理改进研究

发布时间：2019-06-19 11:15

【摘要】：中小企业是我们国家经济发展的活跃力量,国家对促进中小企业的发展相继出台了许多政策,监管机构也强力推动中小企业的发展,但中小企业普遍存在融资困难的问题,一方面过度依赖企业自身积累的内源性融资渠道,渠道狭窄,制约企业发展;另一方面,银行等金融机构对中小企业的信贷无法完全满足,不能支撑其发展。因而,近年来各大商业银行加大了中小企业授信业务的开发和管理,不仅为中小企业的发展提供资金支持,而且扩大了银行自身的贷款业务量,为银行增收。随着中小企业在银行总客户业务中所占比重的逐年提高,中小企业授信风险管理也变得尤为重要。近几年来,在国家加大对中小企业扶持力度的宏观环境背景下,银行对中小企业的授信业务量也迅速扩大,银行对中小企业授信风险管理工作已开始面临越来越大的压力,要做到既支持中小企业发展,又能较好地控制风险、规避风险,还需要进行深入研究。在已有研究的基础上,本文主要以浦发银行长沙分行中小企业授信风险管理为例,在分析商业银行授信业务风险管理的理论和实践发展现状的基础上,结合浦发银行长沙分行中小企业授信业务的特点,具体分析长沙分行中小企业授信业务的发展环境并阐述了目前的风险管理方法。从中指出浦发银行长沙分行在中小企业授信业务方面的问题及产生问题的原因,进而针对现有问题提出长沙分行中小企业授信风险的改进方案,主要包括调整和优化中小企业授信风险管理架构以及实施模板化和批量化管理的具体方案。另外,还提出了长沙分行中小企业授信风险管理改进方案的实施,包括实施途径和保证条件以及实施中可能遇到的问题及解决方案,从而系统全面的构建浦发银行长沙分行中小企业授信风险管理改进体系。研究发现,只有针对中小企业的具体特点和银行的实际情况,在中小企业授信业务的风险管理上通过合理的风险管理模式及产品创新思路,从风险识别、风险评估到风险控制逐级递进地进行管理才能在加大对中小企业贷款扶持的同时有效的控制中小企业信贷业务的风险。
[Abstract]:Small and medium-sized enterprises (SMEs) are the active forces of our country's economic development. The state has introduced many policies to promote the development of small and medium-sized enterprises. The regulatory agencies also strongly promote the development of small and medium-sized enterprises, but the problems of financing difficulties are common in small and medium-sized enterprises. On the one hand, over-reliance on the endogenous financing channels accumulated by the enterprise itself, the narrow channel of the channel, and the development of the enterprises; on the other hand, the credit of the financial institutions such as banks can not be fully met, and the development cannot be supported. Therefore, in recent years, major commercial banks have increased the development and management of the credit business of small and medium-sized enterprises, not only providing financial support for the development of small and medium-sized enterprises, but also expanding the bank's own loan business and increasing the bank's income. With the increase of the proportion of the small and medium-sized enterprises in the total customer service of the bank, the credit risk management of the small and medium-sized enterprises has become more and more important. In recent years, in the context of the macro-environment that the state has increased to support the small and medium-sized enterprises, the credit business of the bank to the small and medium-sized enterprises has also expanded rapidly, and the bank's credit risk management of the small and medium-sized enterprises has started to face more and more pressure, so as to support the development of small and medium-sized enterprises. But also can better control the risk, avoid the risk, and also need to carry out the in-depth study. On the basis of the existing research, this paper takes the credit risk management of the small and medium-sized enterprises of Changsha Branch of Pufa Bank as an example, and based on the analysis of the theory and practice development of the credit business risk management of commercial banks, this paper, in combination with the characteristics of the credit business of the small and medium-sized enterprises in Changsha Branch of Pufa Bank, This paper analyzes the development environment of the credit business of small and medium-sized enterprises in Changsha Branch, and expounds the current risk management method. The paper points out the problems and causes of the credit business of Changsha Branch of Pufa Bank in the small and medium-sized enterprises, and then puts forward the improvement scheme of the credit risk of the small and medium-sized enterprises of Changsha Branch in the light of the existing problems. It mainly includes adjusting and optimizing the credit risk management framework of the small and medium-sized enterprises, and implementing the specific scheme of template and batch management. In addition, the implementation of the improvement plan for credit risk management of small and medium-sized enterprises in Changsha Branch is also put forward, including the implementation approach and the guarantee condition and the problems and solutions that may be encountered in the implementation, so as to fully build the credit risk management improvement system of the small and medium-sized enterprises of Changsha Branch of Pufa Bank. The research has found that only for the specific characteristics of the small and medium-sized enterprises and the actual situation of the bank, the risk management of the credit business of the small and medium-sized enterprises through the reasonable risk management mode and the product innovation idea, from the risk identification, Risk assessment to risk control level-by-step management can effectively control the risk of small and medium-sized enterprises credit business while increasing the support for small and medium-sized enterprises.
【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;F276.3

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