邮政储蓄银行T分行小额信贷风险管理研究

发布时间：2018-03-23 22:31

本文选题：邮政储蓄　切入点：小额信贷　出处：《东华大学》2017年硕士论文

【摘要】：商业银行的体制改革持续加深,在这种情况下,邮政储蓄银行对自己的市场定位进行明确,积极开展小额信贷业务,战略转型逐步进行,工作成果逐步显现,成功的经验也不断积累。在积极发展小额信贷的同时,在风险管理中还存在一些不足和问题,对银行本身和业务本身的健康发展存在一定的制约性。本文在理论研究的基础上,学习借鉴了国内外风险防范的经验,全面分析了河南省邮政储蓄银行T分行小额信贷业务的现状,探讨风险防范上存在的问题。接着,综合运用多种学科的原理,提出风险防范体系的构建思想,构建河南邮政储蓄银行T分行小额信贷风险防范的结构框架。最后,在构建思想和总体框架的指导下,对组织结构、业务流程、预警指标和档案管理四个子体系进行了具体设计,从而对小额信贷业务的风险进行各个方位的管理。河南省邮政储蓄银行T分行建设小额信贷业务风险防范体系的研究,对信贷业务的发展非常有帮助,对全国各地的邮政储蓄银行乃至其它商业银行都具有一定的实践意义和参考性。
[Abstract]:The institutional reform of commercial banks has continued to deepen. In this case, the Postal savings Bank has made clear its market position, actively engaged in microfinance business, carried out the strategic transformation step by step, and the results of its work have been gradually revealed. While actively developing microfinance, there are still some shortcomings and problems in risk management, which have certain constraints on the healthy development of banks and business itself. Learning from the experience of risk prevention at home and abroad, this paper comprehensively analyzes the present situation of micro-credit business in T branch of Henan Post savings Bank, and probes into the problems existing in risk prevention. Put forward the construction idea of risk prevention system, construct the structure frame of micro-credit risk prevention in T branch of Henan Postal savings Bank. Finally, under the guidance of the construction thought and the overall frame, to the organization structure, the business process, Four sub-systems of early warning index and file management are designed in order to manage the risks of micro-credit business in all directions. Research on risk Prevention system of Microcredit Business in T Branch of Henan Postal savings Bank, It is very helpful to the development of credit business and has certain practical significance and reference to postal savings banks and even other commercial banks all over the country.
【学位授予单位】：东华大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F618.3;F832.33

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