民生银行上海分行小微信贷风险控制研究

发布时间：2018-01-05 14:26

本文关键词：民生银行上海分行小微信贷风险控制研究　出处：《南昌大学》2014年硕士论文　论文类型：学位论文

【摘要】：小微企业长期以来在我国国民经济体系中的地位处于非常重要的位置，在体制和模式创新、劳动力就业机会、维护社会的和谐与稳定方面功不可没。然而，小微企业融资难的问题始终未能得到解决。小微企业高风险的特征在近年来宏观经济下行，某些行业、区域经济出现风险集中爆发中暴露无遗，让各家银行都遭受了损失。小微企业贷款的风险管理体系成为小微信贷业务发展的最重要的保障。本文从小微信贷风险管理理论入手，分析了小微企业主要风险特征，，并结合民生银行上海分行小微业务发展的历程及客户群特征，从商圈、交易链等批量开发模式的角度研究民生银行上海分行小微贷款的主要风险类型。为了更好的总结目前我国商业银行小微信贷风险控制体系存在的问题，本文以民生银行上海分行为例，结合商圈、交易链批量开发模式案例中的风险控制措施，分析了民生银行上海分行小微贷款风险控制体系，并指出其存在准入、信用评级、贷后管理三个方面存在的问题，并对这些问题进行了剖析。最后，本文针对民生银行上海分行小微贷款风险控制体系存在的问题，提出进一步完善风险管理的六大建议：实施财政金融和谐支持、建立小微信用担保体系、信贷风险精细化管理、小微业务组织与流程改造、建立小微企业信用体系、创新小微金融服务。
[Abstract]:Small and micro enterprises have been in a very important position in our national economic system for a long time. They have contributed to the innovation of system and mode, the employment opportunities of labor force and the maintenance of social harmony and stability. In recent years, the characteristics of high risk of small and micro enterprises in the macro-economic downturn, some industries, regional economic risks occurred in the outbreak of exposure. The risk management system for small and micro-enterprise loans has become the most important guarantee for the development of micro-credit business. This paper starts with the theory of small and micro credit risk management, analyzes the main risk characteristics of small and micro enterprises, and combines the development process of small and micro business of Minsheng Bank Shanghai Branch and the characteristics of customer base, from the commercial circle. This paper studies the main risk types of Minsheng Bank Shanghai Branch small-and-micro-loan from the perspective of bulk development model such as transaction chain. In order to better summarize the problems existing in the risk control system of small and micro credit of commercial banks in China, this paper takes the Shanghai Branch of Minsheng Bank as an example and combines the commercial circle. This paper analyzes the risk control system of Minsheng Bank Shanghai Branch, and points out the problems in three aspects: access, credit rating and post-loan management. These problems are analyzed. Finally, aiming at the problems in the risk control system of Minsheng Bank Shanghai Branch, this paper puts forward six suggestions for further improving risk management: implementing financial and financial harmonious support. Establish the small and micro credit guarantee system, the credit risk fine management, the small and micro business organization and the process transformation, establish the small and micro enterprise credit system, innovate the small and micro financial service.
【学位授予单位】：南昌大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.4

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