JT农商行长春分行小微企业信贷业务管理优化研究

发布时间：2018-02-23 17:12

本文关键词： 农商行小微企业信贷优化方案保障措施　出处：《吉林大学》2017年硕士论文　论文类型：学位论文

【摘要】：小微企业作为国民经济的重要组成部分,他们的生存状态直接关系到国民经济的健康发展。然而随着世界经济复苏缓慢,我国经济运行进入“新常态”,国内消费、投资都有所下降,小微企业面临着转型发展的巨大压力,同时受原材料成本明显上涨、用工成本大幅上升、订单量减少以及资金链紧张等问题困扰,正处在“温水煮蛙”的艰难处境。但是随着经济下行趋势影响,由于部分小微企业开始出现违约现象,给银行造成了信贷风险,出现了不良贷款,威胁了银行的信贷资产安全,在这样一个情势下,银行在贷款审批中就更加青睐强抵押强担保的信贷业务,小微信贷工作人员开始害怕放贷,银行出现了“惜贷”和发展的矛盾。在这样一个背景下,以商业银行为研究对象,深入研究小微信贷业务管理,在理论和实践上都具有重要意义。理论上,可以更好的深化小微企业信贷理论的研究;实践上,对小微企业来说,可以以更低的资金成本、更灵活的担保方式获得银行信贷支持。对银行来说,可以更好的开拓小微市场,获得竞争优势,分散信贷风险,提高客户粘性。本文首先介绍了选题研究的背景和意义,梳理了小微信贷业务的相关理论及国内外学者对小微信贷业务的研究,以此作为本文的理论基础和依据。本文第三章介绍了JT农商行长春分行小微信贷业务现状及存在的问题,通过举例分析和比较分析,查找出问题的成因,并对问题的成因进行了细致分析。同时针对JT农商行在小微信贷业务审批、产品配置、风控水平和人员管理等方面存在的问题,在文中第四章和第五章提出了五点优化方案和两点保障措施。本文旨在通过对JT农商行长春分行小微信贷业务管理现状进行深入研究,查找问题和不足,并对其进一步改革发展提出了相应的优化方案,目的在于帮助JT农商行长春分行解决现有问题,明确优化目标,加快小微金融服务工作的创新和改革步伐,以促进小微企业信贷业务的快速发展。同时为其他小型农村金融机构发展小微企业贷款提供可以借鉴的经验和理论基础。
[Abstract]:As an important part of the national economy, small and micro enterprises have a direct bearing on the healthy development of the national economy. However, with the slow recovery of the world economy, China's economic operation has entered the "new normal" and domestic consumption. Investment has declined, and small and micro enterprises are facing tremendous pressure from the transformation and development. At the same time, they are beset by the obvious rise in the cost of raw materials, the sharp rise in the cost of employment, the decrease in the volume of orders and the tight financial chain, and so on. But with the impact of the downward trend in the economy, some small and micro enterprises began to default, creating credit risks for banks, bad loans, and threatening the safety of banks' credit assets. In such a situation, banks are more interested in the credit business of strong mortgage and strong guarantee in loan approval, and the small and micro credit workers are beginning to be afraid of lending, and there is a contradiction between "reluctance to lend" and development in the banks. Under such a background, Taking commercial banks as the research object, it is of great significance in theory and practice to study the management of small and micro credit business. In theory, we can deepen the research of credit theory of small and micro enterprises better; in practice, for small and micro enterprises, You can get bank credit support with lower capital costs and more flexible guarantees. For banks, they can better tap into small micromarkets, gain a competitive advantage, and spread credit risk. Firstly, this paper introduces the background and significance of the research, combs the related theories of micro-credit business and the domestic and foreign scholars' research on micro-credit business. The third chapter introduces the current situation and existing problems of the small and micro credit business in Changchun branch of JT Agricultural and Commercial Bank, and finds out the cause of the problem by examples and comparative analysis. The causes of the problem are analyzed in detail. At the same time, JT agribusiness in the small and micro credit business approval, product allocation, risk control level and personnel management and other problems, In chapter 4th and chapter 5th, the author puts forward five optimization schemes and two safeguard measures. The purpose of this paper is to find out the problems and shortcomings by deeply studying the current situation of small and micro credit management in Changchun branch of JT agribusiness. And put forward the corresponding optimization plan for its further reform and development, the purpose is to help JT Agricultural and Commercial Bank Changchun Branch solve the existing problems, clear the optimization goal, speed up the innovation and reform pace of the small and micro financial service work. In order to promote the rapid development of credit business of small and micro enterprises and provide the experience and theoretical basis for other small rural financial institutions to develop small and micro enterprise loans.
【学位授予单位】：吉林大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.4;F276.3;F275

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