中国银行吉林省分行中小企业授信风险控制研究

发布时间：2018-04-22 21:11

本文选题：中小企业 + 银行授信　；参考：《吉林大学》2014年硕士论文

【摘要】：当代商业银行面临的经营管理的核心问题是风险管理，本文通过对当前在我国商业银行授信业务中越来越占有重要地位的中小企业授信风险进行研究和分析，以中国银行吉林省分行(以下简称:中行省分行）中小企业授信业务风险控制为例，旨在通过归纳与总结目前我国商业银行所采用的授信风险控制方法，联系我国中小企业经营特点和信用风险特征，探寻适合于我国现有经济条件下对商业银行来说切实可行、对授信业务风险管理具有积极意义的授信风险控制方法。在我国市场经济不断发展和逐步完善的形势下,中小企业作为日益壮大的经济个体,对整个国民经济的推动作用和在社会民生发展中的重要性也日益凸显。但是，仍然有许多制约因素,尤其是融资难的问题，限制了中小企业的发展。随着银行之间的竞争逐渐激烈,商业银行在发展的过程中怎样调整信贷结构,怎样在控制自身风险的基础上，适应众多中小企业发展的信贷需求，需要国家政策推动创造良好的市场环境,更需要商业银行主动出击寻求自身业务发展壮大的良机。银行对授信业务的核心问题就是风险管理,本文以中行省分行中小企业授信风险控制为例,结合中小企业的经营特点和信用风险的特征,探寻出行之有效的授信业务风险管理理论和方法，使之对当前我国商业银行切实可行又能够充分满足当前中小企业的授信需求,通过对中国银行吉林省分行中小企业授信业务风险控制提出积极有益的设计方案，期望给其他商业银行对中小企业的授信风险管理提供一定的参考借鉴意义。本文主要以中国银行中小企业授信风险控制为例,在总结国内外风险管理相关理论，分析商业银行风险管理的理论和实践发展现状的基础上,结合中国中小企业的特点,例如数量打规模小，产业层次低，财务制度不健全,企业生命周期短,逃废债比率高，财务管理不规范,业主家族及个人对企业的经营管理影响过大等显著特点,特别是在市场经济日益发展变化，，中小企业授信环境不断规范，授信需求逐渐提升，金融市场产品和服务水平都不断提升的情况下，针对中国银行吉林省分行中小企业授信业务风险控制的现状及存在的问题,总结和分析在中小企业授信业务风险控制中的关键点和具体策略,着重在业务的各个职能环节进行重点问题管理和规范制度完善。分析中小企业授信业务风险的关键问题，并据此形成中行省分行中小企业授信业务产品设计思路和中行省分行中小企业授信业务的风险控制关键点,提出优化中行省分行中小企业授信业务风险控制的设计方案,例如，提高对中小企业数据信息审查和甄别水平,整合授信流程并优化现代信用风险评价管理,开展风险缓释措施及强化重点客户管理,创新中小企业授信产品风险价值管理体系等。另外,商业银行对于授信客户现金流的管理具有相对优势,银行从风险管理角度通过对现金流的监控,结合企业的结算模式和财务数据,以这些从管理上的可实现的选择让客户和银行均可接受，从而形成银企双方互利共赢的授信方案。这样既能够满足企业在业务发展过程中对融资的迫切需求,又可使商业银行在风险可控的局面中获得业务发展。对深入探讨如何解决中行省分行对中小企业授信困难的问题,通过运用行之有效的风险控制方法和授信业务管理模式以及产品创新设计解决中小企业授信业务的共性问题,是本文的创新点。市场经济逐渐发展，中小企业授信也要不拘一格,不断寻求突破和创新，在本文观点和思路的基础上,提出适应银行授信业务发展和满足中小企业授信需求的中小企业风险控制模式。
[Abstract]:The core problem of business management in modern commercial banks is risk management. Through the research and analysis of the credit risk of small and medium enterprises, which are becoming more and more important in our commercial banks' credit business, this paper takes the risk control of credit business of small and medium-sized enterprises in Jilin branch of China Bank (hereinafter referred to as China Bank branch) For example, by summarizing and summarizing the methods of credit risk control adopted by commercial banks in China, connecting with the characteristics of the management and credit risk of small and medium-sized enterprises in our country, this paper seeks to explore the effective means of credit risk control for commercial banks which are practical and feasible for commercial banks under the existing economic conditions of our country. Law.
In the situation of the continuous development and gradual improvement of the market economy in China, as a growing economic individual, small and medium-sized enterprises are becoming more and more important to the promotion of the whole national economy and the development of the people's livelihood. However, there are still many restrictive factors, especially the problem of financial difficulties, which restrict the development of small and medium-sized enterprises. The competition among banks is increasingly fierce. How to adjust the credit structure in the process of development and how to adapt to the credit needs of many small and medium-sized enterprises on the basis of controlling their own risks, need the national policy to promote the creation of a good market environment, and more need commercial banks to take the initiative to seek their own business to grow and grow. The core problem of the bank's credit business is risk management. This paper, taking the risk control of small and medium sized enterprises in the Central Bank of China as an example, combines the management characteristics of small and medium enterprises and the characteristics of credit risk to explore the effective management theory and method of the travel credit business, so that it is feasible and capable of charging the commercial banks in our country. It is expected to provide a certain reference for other commercial banks to manage the credit risk management of small and medium-sized enterprises by providing a positive and useful design plan for the credit business risk control of small and medium-sized enterprises in Jilin branch of China bank.
This paper mainly takes the credit risk control of small and medium enterprises of China bank as an example. On the basis of summarizing the related theories of risk management at home and abroad, analyzing the current situation of the theory and practice of the risk management of commercial banks, it combines the characteristics of small and medium enterprises in China, such as small size, low industrial level, unsound financial system and short life cycle of enterprises. The ratio of escape debt is high, the financial management is not standardized, the owner family and the individual have a great influence on the management of the enterprise. Especially in the market economy, the growing and changing of the market economy, the continuous improvement of the credit demand of the small and medium enterprises, the gradual promotion of the demand for credit, the continuous promotion of the level of the financial market and the service level of the financial market, are aimed at the Bank of China The present situation and existing problems of credit business risk control in small and medium-sized enterprises in Jilin branch, summarize and analyze the key points and specific strategies in the credit business risk control of small and medium-sized enterprises, focus on the management of key problems in the various functional links of business and perfect the standard system, and analyze the key problems of the credit business risk of small and medium-sized enterprises. On the basis of this, the design ideas of credit business products of medium and small enterprises in China Bank branch and the key point of risk control of medium and small enterprises' credit business in China Bank branch are put forward, and the design scheme of optimizing the credit business risk control of medium and small enterprises in China Bank branch is put forward, for example, to improve the level of information review and screening for small and medium-sized enterprises, and to integrate the credit process. And optimize the management of the modern credit risk assessment, carry out the measures of risk release and strengthen the management of key customer, and innovate the management system of the risk value of the credit products of small and medium-sized enterprises. In addition, the commercial banks have relative advantages to the management of the cash flow of the credit customers. The bank monitors the cash flow through the risk management angle, and combines the enterprise's knot. The calculation model and financial data can be accepted by the customers and banks by these manageable choices. Thus, the mutual benefit and mutual trust scheme of both banks and enterprises can be formed. This can not only meet the urgent demand for financing in the business development process, but also enable commercial banks to gain business development in a risk controllable situation.
In order to discuss how to solve the problem of credit credit for medium and small enterprises by the Bank of China, it is the innovation of this article by using effective risk control method, credit business management model and product innovation design to solve the common problems of small and medium enterprises' credit business. On the basis of the views and ideas of this article, we put forward the risk control model of small and medium-sized enterprises to adapt to the development of bank credit business and meet the demand for credit of small and medium enterprises.

【学位授予单位】：吉林大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.2

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