杭州民生银行小微企业贷款风险评价研究

发布时间：2018-05-13 06:46

  本文选题：风险评价 + 小微企业　； 参考：《哈尔滨理工大学》2014年硕士论文

【摘要】：随着中国近年经济的迅速发展，很多小微企业成为了中国重要的经济主体，它们在推动经济发展中发挥着重要的作用，此外小微企业在就业方面、税收方面也都发挥着突出的贡献。随着经济全球化的快速发展，企业之间的竞争也不断加剧，在这样的环境下，很多小微企业为了在激烈的竞争中能够长期发展下去，不断加强小微企业的经营管理能力和小微企业的技术创新，这样才能取得更好的发展。面对越来越复杂的生存环境，如何做好小微企业的信贷风险，如何对小微企业的风险进行科学的评价，如何拓宽银行对于小微企业发展的信贷业务，这对于提高小微企业融资力度，降低小微企业经营风险，促进小微企业健康发展都有着重大意义。 基于此，本文对小微企业的风险评价展开探讨。首先，分析了本文研究的背景、研究的目的和意义、国内外的研究现状以及本文研究的方法和内容，对本文的研究进行初步的介绍；然后分析了杭州民生银行的概况，对民生银行的信贷产品进行了介绍，并且对小微企业的信贷业务面临的风险进行分析；接着对杭州民生银行的小微企业贷款风险进行了分析，通过贷款指标评价设计，以及评价体系的设计进行了分析；然后通过综合评价法对杭州民生银行的小微企业具体案例进行了风险评价实证分析。通过综合评价法，，评价指标体系建立和评价模型设计进行了详细的剖析，对所举案例的风险评估进行了科学性和全面性的剖析；最后提出了杭州民生银行小微企业贷款防范的建议和对策，从完善小微企业信贷业务组织结构、强化信贷过程风险控制、积极创新信贷业务等三个方面提出了建议。
[Abstract]:With the rapid development of China's economy in recent years, many small and micro enterprises have become important economic entities in China. They play an important role in promoting economic development. In addition, small and micro enterprises play an important role in employment. Tax is also playing a prominent contribution. With the rapid development of economic globalization, competition among enterprises is becoming more and more intense. In such an environment, many small and micro enterprises can develop for a long time in the fierce competition. Only by continuously strengthening the management ability of small and micro enterprises and the technological innovation of small and micro enterprises can better development be achieved. In the face of more and more complicated living environment, how to do well the credit risk of the small and micro enterprises, how to evaluate the risk of the small and micro enterprises scientifically, how to broaden the credit business of the banks for the small and micro enterprises, This is of great significance to improve the financing of small and micro enterprises, reduce the risk of small and micro enterprises, and promote the healthy development of small and micro enterprises. Based on this, this paper discusses the risk assessment of small and micro enterprises. Firstly, it analyzes the background, purpose and significance of the research, the present research situation at home and abroad as well as the methods and contents of this study, and then analyzes the general situation of Hangzhou Minsheng Bank. This paper introduces the credit products of Minsheng Bank, and analyzes the risks faced by the small and micro enterprises, and then analyzes the risk of the small and micro enterprises of Hangzhou Minsheng Bank, and evaluates the design through the loan index. And the design of evaluation system is analyzed, and then the case of small and micro enterprises of Hangzhou Minsheng Bank is analyzed by comprehensive evaluation method. Through the comprehensive evaluation method, the establishment of the evaluation index system and the design of the evaluation model are analyzed in detail, and the risk assessment of the case mentioned is analyzed scientifically and comprehensively. Finally, the paper puts forward some suggestions and countermeasures for the prevention of small and micro enterprises' loans in Hangzhou Minsheng Bank, including perfecting the organization structure of the small and micro enterprises' credit business, strengthening the risk control of the credit process, and actively innovating the credit business.
【学位授予单位】：哈尔滨理工大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.4;F276.3

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本文编号：1882110