优化G银行宁夏分行中小企业信贷工厂风险管理体系的研究

发布时间：2018-03-12 23:20

本文选题：信贷工厂　切入点：风险管理　出处：《宁夏大学》2017年硕士论文　论文类型：学位论文

【摘要】：G银行2008年引入新加坡淡马锡信贷工厂模式开展中小企业信贷业务,信贷工厂与传统信贷模式的根本区别在于,信贷工厂是模仿工厂,将信贷业务的全流程分为前中后台并整合在同一部门,以规范的标准作业程序批量化开展信贷业务。G银行宁夏分行于2013年8月成功复制推广了中小企业信贷工厂模式,在该模式推广应用的4年期间,取得了一定的成绩,为宁夏地区中小企业发展做出了积极的贡献。但是在快速发展的同时,由于G银行宁夏分行中小企业信贷业务存在信贷工厂模式变形、内部控制不完善,风险治理结构不健全、岗位缺失、人员流动性大、内部管理跟不上业务发展步伐等问题,在经历了大跃进式业务发展后出现了不良高居不下、业务量出现萎缩的局面。本论文分析了G银行宁夏分行中小企业信贷工厂现有风险管理体系存在的缺陷和漏洞,结合当前经济形势中小企业现状,与时俱进地提出进一步优化G银行宁夏分行中小企业信贷工厂风险管理体系的改进建议,结合全面风险管理理论和信贷工厂理论,提出完善风险治理结构、健全内部管理机制、完善中小信贷制度、建立风险管理系统等优化建议,为G银行宁夏分行中小企业业务健康稳健持续发展提供有益的参考,为正在推广信贷工厂模式的其他银行提供借鉴和帮助。
[Abstract]:In 2008, G Bank introduced the Temasek credit factory model in Singapore to develop the SME credit business. The fundamental difference between the credit factory and the traditional credit model is that the credit factory is a mimic factory. The whole process of credit business is divided into front, middle and backstage and integrated in the same department. In August 2013, the Ningxia Branch of G. Bank successfully replicated and promoted the credit factory model of small and medium-sized enterprises. During the four years of popularization and application of this model, some achievements have been made, which have made a positive contribution to the development of small and medium-sized enterprises in Ningxia. But at the same time of rapid development, Because of the transformation of credit factory mode, the imperfect internal control, the imperfect risk management structure, the lack of posts, the large staff mobility, the internal management can not keep up with the pace of business development, etc. After the development of the Great Leap forward business, there is a bad situation, and the volume of business shrinks. This paper analyzes the defects and loopholes in the existing risk management system of the SME credit factory in Ningxia Branch of G Bank. According to the current economic situation of small and medium-sized enterprises, the paper puts forward some suggestions for further optimizing the risk management system of small and medium-sized enterprises in Ningxia Branch of G Bank, combining with the theory of comprehensive risk management and the theory of credit factory. The optimization suggestions such as perfecting the risk management structure, perfecting the internal management mechanism, perfecting the small and medium-sized credit system and establishing the risk management system are put forward to provide a beneficial reference for the healthy, steady and sustainable development of the small and medium-sized enterprises in Ningxia Branch of G Bank. To provide reference and help for other banks that are promoting the credit factory model.
【学位授予单位】：宁夏大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.4

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