GD银行中小企业融资风险管控研究

发布时间：2018-04-17 23:14

本文选题：商业银行 + 中小企业　；参考：《天津大学》2014年硕士论文

【摘要】：作为国民经济体系中最活跃的因素之一,中小企业在促进我国经济增长、加速技术创新以及吸纳就业等方面发挥着不可替代的重要作用。然而,融资难现象却严重制约了我国中小企业健康发展。中小企业融资难是我国乃至全世界都普遍存在的问题。目前我国中小企业最主要的融资渠道是银行贷款。中小企业面临着融资需求大、融资渠道窄的现状,而商业银行面临着对中小企业融资风险难以高效管理和控制的窘境,如何有效管控中小企业融资风险,不仅可以提高我国金融机构对中小企业的服务水平,也对防范银行系统性风险,增强银行竞争力具有现实意义。基于前人对中小企业融资和银行风险管理的研究成果上,本文通过对目前我国中小企业融资渠道及其特点的总结梳理,以及对我国商业银行中小企业融资风险原因的分析,对中国GD银行中小企业融资风险管控体系的构建进行了研究。在了解该体系构建原则之后,本文通过分析中国GD银行中小企业创新型模式化业务的成功案例展现了这一风险管控体系的特点及高效性。接下来,本文叙述了中国GD银行保证该风险管控流程顺畅运作的若干必要措施,作为整个风险管控体系的补充和完善。最后,本文得出两点创新性成果。第一,通过建立合理高效的审批流程、针对中小企业特点进行业务模式创新以及完善的组织架构可以有效率地实现中小企业融资风险管理控制,在有完备的、切实可行的保证措施下,以上述三要素作为商业银行构建中小企业融资风险管控体系的核心是具有高效性的,而构建高效的风险管理体系可以使银行更好地为中小企业提供融资服务。第二,本文的研究为质疑传统的“中小金融机构优势”论点提供例证。传统观点认为,对于合作性中小金融机构,即使其因无法真正了解地方中小企业运营状况而无法实施有效监管,合作组织中的中小企业间也会实施自我监督,而这种监督往往比金融机构外部监管更有效。中国GD银行模式化业务中“联保模式”即利用企业成员中“互相监督”作用提高贷款的使用效率,为“大型商业银行不如中小金融机构更适合为中小企业服务”的观点提供反例。
[Abstract]:As one of the most active factors in the national economic system, small and medium-sized enterprises (SMEs) play an irreplaceable role in promoting economic growth, accelerating technological innovation and absorbing employment in China.However, the phenomenon of financing difficulties has seriously restricted the healthy development of small and medium-sized enterprises in China.The financing difficulty of small and medium-sized enterprises is a common problem in our country and even all over the world.At present, the most important financing channel for SMEs in China is bank loans.Small and medium-sized enterprises are faced with the situation of large financing demand and narrow financing channels, while commercial banks are faced with the dilemma that it is difficult to efficiently manage and control the financing risks of small and medium-sized enterprises, so how to effectively control the financing risks of small and medium-sized enterprises.It can not only improve the service level of Chinese financial institutions to small and medium-sized enterprises, but also prevent the systemic risks of banks and enhance the competitiveness of banks.Based on the previous research results on SME financing and bank risk management, this paper summarizes the financing channels and characteristics of SMEs in China, and analyzes the causes of financing risk of SMEs in commercial banks in China.This paper studies the construction of financing risk management system in GD Bank of China.After understanding the construction principle of the system, this paper demonstrates the characteristics and efficiency of the risk management system by analyzing the successful cases of the innovative model business in GD Bank of China.Then, this paper describes some necessary measures for GD Bank of China to ensure the smooth operation of the risk control process, as a complement and perfection of the whole risk control system.Finally, this paper draws two innovative results.First, through the establishment of a reasonable and efficient approval process, according to the characteristics of small and medium-sized enterprises business model innovation and a sound organizational structure can effectively achieve SME financing risk management control,Under the feasible guarantee measures, it is efficient to take the above three elements as the core of the commercial bank to construct the financing risk control system of the small and medium-sized enterprises.The construction of an efficient risk management system can enable banks to better provide financing services for SMEs.Second, this study provides an example for questioning the traditional argument of "advantages of small and medium financial institutions".The traditional view is that, for cooperative small and medium-sized financial institutions, even if they are unable to implement effective supervision because of their inability to truly understand the operation of local small and medium-sized enterprises, there will be self-supervision among small and medium-sized enterprises in cooperative organizations.Such supervision tends to be more effective than external regulation of financial institutions.In the model business of GD Bank of China, the "protected mode" means that the "mutual supervision" role among the members of the enterprise is used to improve the efficiency of the use of loans.Counter-examples are provided for the view that large commercial banks are less suitable than small and medium-sized financial institutions to serve SMEs.
【学位授予单位】：天津大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F276.3;F832.4

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