石河子邮储银行小额贷款风险管理研究

发布时间：2018-01-15 06:24

本文关键词：石河子邮储银行小额贷款风险管理研究　出处：《石河子大学》2014年硕士论文　论文类型：学位论文

【摘要】：党的十八大报告把解决好“三农”问题放在了突出位置，对深化金融体制改革也做出了相应部署。报告提出，金融机构要增加经济和社会发展的努力，支持薄弱环节。要继续完善信贷政策的实施，进一步优化信贷结构，切实加快经济发展方式转变和结构调整的转型。要加大金融支持“三农”，小微企业，战略性新兴产业，现代服务业，，科技创新等领域，促进区域经济协调发展。作为农村金融的主力军，邮储银行在新的时期肩负着服务“三农”的更高使命。小额贷款业务作为邮储银行的核心业务，是邮储银行实施向商业银行战略转型的必然选择与必由之路。石河子邮储银行经过五年来的积极实践与规模发展，小额贷款业务已取得了社会效益与企业效益双丰收。但是，随着小额信贷业务在邮储银行的快速发展，其风险日益加剧，使银行创造利润的空间受到冲击。如何管理和控制好小额贷款风险，提高信贷质量和服务水平，是实现小额贷款业务可持续发展的关键。本文结合国内外已有的研究成果和小额贷款风险的理论知识，运用总结归纳法进行文献的查询和归纳，采用实地调查法对石河子邮储银行小额贷款风险种类及风险程度进行了分析；并运用实证分析和规范分析相结合、定性分析和定量分析相结合的方法，对石河子邮储银行小额贷款业务发展现状及风险管理现状进行了分析，从而揭示了石河子邮储银行小额贷款风险管理中存在的问题。为逐步解决实践中存在的问题，提高石河子邮储银行小额贷款的风险管理水平，增强风险管理对业务发展的支撑，提出了加强小额贷款风险管理的对策。即：明晰发展定位,合理确定小额贷款业务发展基调；严格按照制度流程规范开展业务，促进小额贷款业务合规经营；转变观念，多措并举，确保逾期催收取得实效；提高员工素质,强化人员培训，加强能力建设；加强内控机制建设，为业务健康合规发展营造良好环境。
[Abstract]:Eighteen big reports of the party to solve the "three rural" problem in a prominent position, to deepen the reform of the financial system has also made the corresponding deployment report, financial institutions to increase the economic and social development efforts to support the weak links. We will continue to improve the implementation of credit policies, to further optimize the credit structure, and accelerate the transformation the mode of economic development and structural adjustment. To increase financial support for agriculture, Small and micro businesses, strategic emerging industries, modern service industry, technological innovation and other fields, and promote the coordinated development of regional economy. As the main force of rural finance, the higher mission of the postal savings bank shoulder service "three agriculture" in the new period. Small business loans as the core business of the postal savings bank, the postal savings bank is the inevitable choice of the transition to commercial bank strategy. And the only way which must be passed the postal savings bank of Shihezi after five years of accumulation Very practical and scale development, microfinance has achieved both social and business benefits. However, with the rapid development of micro credit in the postal savings bank, the increasing risk, the bank profit space impact. How to better manage and control small loan risk, improving credit quality and service level. The key to realize the sustainable development of small business loans.
Theoretical knowledge combined with existing research results at home and abroad and micro credit risk, using the method of literature summary query and induction, has carried on the analysis to the Shihezi postal savings bank microfinance risk types and risk degree by using the method of on-the-spot investigation; and the use of empirical analysis and normative analysis combination of methods, qualitative analysis and quantitative analysis with the Shihezi postal savings bank microfinance business development and risk management are analyzed, which reveals the existence of small loans Shihezi postal savings bank in risk management issues.
In order to resolve the problems in practice, improve the risk management level of small loans to the postal savings bank of Shihezi, strengthening the risk management of business development support, and puts forward some countermeasures of strengthening microfinance risk management. That is: the clear development orientation, reasonably determine the microfinance business development key; business process specification in strict accordance with the system, the promotion of small loan business compliance management; change ideas, take measures to ensure the effectiveness of overdue collection; improve staff quality, strengthen personnel training, strengthening capacity building; strengthen internal control mechanisms for compliance business healthy development to create a good environment.

【学位授予单位】：石河子大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.4

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