民生银行小微贷款风险管理研究

发布时间：2018-07-01 21:20

本文选题：民生银行 + 小微企业　；参考：《长沙理工大学》2014年硕士论文

【摘要】：在“全面深化改革”和“金融脱媒”的时代背景下,小微贷款业务以破竹之势成为我国商业银行战略转型大潮中的一匹黑马。随着小微贷款业务逐步扩张,商业银行积极拓展新的利润点,国内小微企业的“融资难”问题得以缓解,政府的扶持政策初见成效,实现了银、企、政暂时的“共赢”局面。然而,小微企业自身缺陷、市场环境不稳定、银行重贷轻管、产品同质性严重等因素阻碍了小微的贷款业务的健康发展,小微贷款的“质”随着“量”的增加而下降,持续上升的贷款风险已然是影响银行生存和发展的巨大威胁。如何构建和优化小微贷款风险管理成为了各大商业银行关注的焦点问题,也是本文研究的中心问题。本文的创新点在于兼具理论启迪和实践导向的双重意义。在理论方面,本文以商业银行战略转型为背景,立足于前人研究和信息不对称、信贷配给、企业生命周期三大理论基石,从小微企业及小微贷款的界定和特点出发,探索小微贷款风险的内涵,层层剖析小微贷款风险管理的目标和内容。在实践方面,本文采用文献研究法和案例分析法,以民生银行的“商贷通”业务为研究样本,描述民生银行小微贷款业务及小微贷款风险管理存在的问题,并从风险管理的角度分析其原因。在理论研究和案例分析的基础上,本文试图从民生银行自身找到突破口,提出重塑基于风险意识的风险管理机制、合理设立门槛、完善小微贷款信用评级和定价机制、构建动态的风险预警和防范系统等对策,为实现小微贷款业务又好又快发展提供借鉴。
[Abstract]:Under the background of "comprehensively deepening the reform" and "financial disintermediation", small and micro-loan business has become a black horse in the tide of strategic transformation of commercial banks in China. With the gradual expansion of the small and micro loan business, the commercial banks actively expand the new profit point, the domestic small and micro enterprises'"financing difficulty" problem can be alleviated, the government's supporting policy is beginning to bear fruit, has realized the silver, the enterprise, the government temporarily "the win-win" situation. However, the defects of the small and micro enterprises, the unstable market environment, the heavy lending and the serious homogeneity of the products hinder the healthy development of the small and micro loan business, and the "quality" of the small and micro loans decreases with the increase of the "quantity". Rising lending risk is already a huge threat to the survival and development of banks. How to construct and optimize the risk management of small and micro loans has become the focus of attention of commercial banks, and it is also the central issue of this paper. The innovation of this paper lies in the dual significance of both theoretical enlightenment and practical guidance. In theory, this paper takes the strategic transformation of commercial banks as the background, based on the previous studies and three theoretical cornerstones of asymmetric information, credit rationing, and enterprise life cycle, starting from the definition and characteristics of small and micro enterprises and small and micro loans. This paper probes into the connotation of the risk of small and micro loans, and analyzes the objectives and contents of risk management of small and micro loans. In practice, this article uses the literature research method and the case analysis method, taking the Minsheng Bank's "commercial loan" business as the research sample, describes the Minsheng Bank's small and micro loan business and the small and micro loan risk management existence question. And analyze its reason from the angle of risk management. On the basis of theoretical research and case analysis, this paper attempts to find a breakthrough from Minsheng Bank itself, and puts forward the idea of reinventing the risk management mechanism based on risk awareness, setting up a reasonable threshold, and perfecting the credit rating and pricing mechanism of small and micro loans. Constructing dynamic risk early warning and prevention system provides a reference for the realization of small and micro-loan business good and fast development.
【学位授予单位】：长沙理工大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.4

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