A银行小微信贷业务风险管理研究

发布时间：2018-05-02 05:06

本文选题：商业银行 + 小微信贷业务　；参考：《广西大学》2014年硕士论文

【摘要】：商业银行纷纷向小微信贷业务转型,促进了小微信贷业务的蓬勃发展。但随着近年来宏观经济增长放缓,小微信贷业务的风险逐渐显现,暴露了商业银行小微信贷业务风险管理依然存在不少问题。本论文通过梳理小微信贷业务风险管理的相关理论,并结合A银行小微信贷业务发展的实践,深入分析A银行小微信贷业务的风险来源及其风险管理存在的问题,在此基础上,提出完善A银行小微信贷业务风险管理的相关对策,以期在理论上进一步丰富小微信贷业务风险管理的理论,在实践上指导A银行有效防范小微信贷业务风险,促进其小微信贷业务可持续发展。本论文首先介绍了小微企业的分类和小微信贷业务的涵义,梳理了小微信贷业务风险管理的相关理论；接着介绍了A银行小微信贷业务的发展现状,并分析了其主要风险来源；然后分析了A银行小微信贷业务的风险管理现状、风险管理存在的问题以及风险管理的主要关键点。在此基础上,针对小微信贷业务风险管理的三个关键点——行业和区域等外部宏观风险、抵质押物缺失带来的还款意愿风险、信息不对称带来的决策和管理风险,分别从加强防范外部宏观风险、加强机制创新、提高银行贷款分析和管理技术等三方面,提出了完善A银行小微信贷业务风险管理的对策。
[Abstract]:Commercial banks have transformed to micro-credit business, promoting the flourishing development of micro-credit business. However, with the slowdown of macroeconomic growth in recent years, the risks of micro-credit business gradually appear, exposing the commercial banks small and micro credit business risk management is still a lot of problems. By combing the relevant theories of risk management in micro-credit business and combining the practice of the development of micro-credit business in Bank A, this paper deeply analyzes the risk sources and the problems in risk management of micro-credit business in Bank A, and on this basis, In order to further enrich the theory of risk management of small and micro credit business in theory and guide Bank A to prevent the risk of small and micro credit business effectively in practice, this paper puts forward the relevant countermeasures to perfect the risk management of small and micro credit business of Bank A. To promote the sustainable development of its micro-credit business. This paper first introduces the classification of small and micro enterprises and the meaning of small and micro credit business, combs the related theory of risk management of small and micro credit business, then introduces the development situation of small and micro credit business in bank A, and analyzes its main risk sources. Then it analyzes the current situation of risk management, the problems of risk management and the key points of risk management. On this basis, aiming at the three key points of risk management in micro-credit business, such as external macro risk such as industry and region, the risk of repayment intention caused by the absence of pledge, the risk of decision-making and management brought by asymmetric information, This paper puts forward the countermeasures to perfect the risk management of A bank's small and micro credit business from three aspects: strengthening the prevention of external macro risks, strengthening the innovation of mechanism, improving the bank loan analysis and management technology.
【学位授予单位】：广西大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.33

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