建设银行山西分行小微企业信贷风险管理研究

发布时间：2018-06-12 07:08

本文选题：建设银行 + 小微企业信贷　；参考：《太原理工大学》2014年硕士论文

【摘要】：银行作为一个极具特殊性的金融机构,它在正常运营的过程中常常面临着不同类型的风险,其中信贷风险最为突出。特别是在小微企业贷款中,由于小微企业的特殊性质,使得对于小微企业在贷款业务中风险的把控更加困难。因此,研究商业银行小微企业信贷业务风险管理,对商业银行来说具有重要的现实意义。本文以建设银行山西分行为例,对小微企业信贷业务的风险管理问题进行了研究。首先对信贷风险的国内外研究进行了综述,对小微企业信贷的概念、特点以及论文中用到的信息不对称理论、企业生命周期理论、信贷配给理论、交易费用理论进行了阐述。其次介绍了建设银行山西分行小微企业信贷业务的现状。对建设银行山西分行小微企业信贷业务面临的宏观环境和微观环境的现状进行阐述,并对建设银行山西分行小微企业信贷业务经营情况及风险管理现状进行分析。再次,对建设银行山西分行小微企业信贷业务风险管理问题进行了分析,具体包括业务流程中的贷前调查阶段、信用评级环节、定价机制方面、贷后管理阶段、监督检查机制方面以及管理方面等的问题分析。在前文分析的基础上,本文从业务流程及管理机制两个方面提出了建设银行山西分行改善小微企业信贷风险管理的对策。业务流程中的风险管理措施包括：信息采集多元化,严格贷前审查；引入国际先进的评级工具；加大贷后检查力度健全风险预警机制;强化监控及审计机制;完善授权审批及风险消化等机制。管理机制方面的风险管理措施包括：优化信贷产品设计,丰富服务体系;强化信贷人员就职、退出及轮岗制度；建设完善的风险管理信息系统;改革小微企业信贷业务组织结构,优化组织流程;建立优良的风险防范文化。
[Abstract]:As a special financial institution, banks often face different types of risks in their normal operation, among which credit risk is the most prominent. Especially in the small and micro enterprise loan, because of the special nature of the small and micro enterprise, it is more difficult to control the risk of the small and micro enterprise in the loan business. Therefore, it is of great practical significance to study the risk management of small and micro enterprise credit business in commercial banks. This paper takes Shanxi Branch of China Construction Bank as an example to study the risk management of credit business of small and micro enterprises. First of all, the domestic and foreign research on credit risk is reviewed, and the concept, characteristics and information asymmetry theory, enterprise life cycle theory, credit rationing theory and transaction cost theory of small and micro enterprises are expounded. Secondly, it introduces the present situation of the credit business of small and micro enterprises in Shanxi Branch of China Construction Bank. This paper expounds the macro and micro environment of the credit business of the small and micro enterprises in Shanxi Branch of China Construction Bank, and analyzes the present situation of the credit business and the risk management of the small and micro enterprises in Shanxi Branch of China Construction Bank. Thirdly, it analyzes the risk management of small and micro enterprises in Shanxi Branch of China Construction Bank, including the pre-credit investigation stage, credit rating link, pricing mechanism, post-loan management stage in the business process. On the basis of the above analysis, this paper puts forward the countermeasures to improve the credit risk management of small and micro enterprises in Shanxi Branch of China Construction Bank from two aspects: business process and management mechanism. The risk management measures in the business process include: diversification of information collection, strict pre-loan review, introduction of international advanced rating tools, strengthening of post-loan inspection and improvement of risk early warning mechanism, strengthening of monitoring and auditing mechanism; Perfect authorization examination and approval and risk digestion and other mechanisms. The risk management measures in the management mechanism include: optimizing the design of credit products, enriching the service system, strengthening the system of credit personnel taking up jobs, withdrawing from and shifting jobs, constructing a sound risk management information system; To reform the organization structure of small and micro enterprises credit business, optimize the organization process, and establish a good risk prevention culture.
【学位授予单位】：太原理工大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.4;F276.3

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