GF银行小微企业信贷风险控制研究

发布时间：2018-04-15 09:03

本文选题：GF银行 + 小微企业信贷　；参考：《云南大学》2015年硕士论文

【摘要】：小微企业虽然规模小,但是其作用是不可替代的,在增加就业、改善民生、创造税收、增强活力、推动经济结构的转变等方面都具有非常重要的地位。全国现有3000多万家个体户,150多万家注册工商企业。小微企业占全国企业数量的99%,提供了80%的就业岗位,承担了50%的税收,在GDP增长方面占了60%的比例。发展小微企业信贷业务对商业银行发展具有重要意义,有利于培养新客户群、有利于银行履行社会责任、有利于优化银行信贷结构,有利于银行形成新的利润增长点,同时可以实现客户多元化,有效分散风险,推动交叉销售,推动私人银行、个人业务、中间业务的综合发展,提升综合收益水平。文章在开头分析了研究背景及小微企业的融资现状；其次,从GF银行的基本情况出发,对GF银行的信贷业务及风险控制现状进行了阐述；再次,从GF银行信贷风险政策和管理办法等方面,分析该行对小微企业的信贷风险控制体系及存在的主要问题与成因。最后,发现的问题的原因之后分析改善的思路,对GF银行的小微企业贷款营销、贷款调查、贷中审核、贷后管理及服务等方面结合之前的历史分析与数据找到改善的方案。
[Abstract]:Small and micro enterprises, though small in scale, play an irreplaceable role in increasing employment, improving people's livelihood, creating taxes, enhancing vitality and promoting the transformation of economic structure.There are more than 30 million self-employed enterprises in China.Small businesses account for 99% of the nation's total, providing 80% of jobs, 50% of taxes and 60% of GDP growth.The development of small and micro enterprise credit business is of great significance to the development of commercial banks, which is conducive to the training of new customer groups, the fulfilment of social responsibilities by banks, the optimization of the credit structure of banks, and the formation of new profit growth points for banks.At the same time, it can realize customer diversification, effectively disperse risk, promote cross-selling, promote the comprehensive development of private bank, personal business and intermediate business, and enhance the level of comprehensive income.At the beginning of this paper, the research background and financing status of small and micro enterprises are analyzed. Secondly, from the basic situation of GF Bank, the credit business and risk control status of GF Bank are expounded.From the aspects of GF bank's credit risk policy and management methods, this paper analyzes the credit risk control system of the bank to small and micro enterprises and its main problems and causes.Finally, the causes of the problems found after the analysis of the improvement of ideas, GF Bank's small and micro enterprise loan marketing, loan survey, loan audit, post-loan management and services and other aspects of the previous historical analysis and data to find an improvement plan.
【学位授予单位】：云南大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：F275;F832.4

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