建设银行S分行中小企业信贷风险管理研究

发布时间：2018-03-13 12:15

本文选题：信贷风险　切入点：风险管理　出处：《西安理工大学》2017年硕士论文　论文类型：学位论文

【摘要】：中小企业是国民经济命脉中不可或缺的一部分,与此同时商业银行在信贷市场上的竞争也在日益加剧,开拓中小企业信贷市场对于商业银行来说势在必行,但商业银行在寻求中小企业利润的同时也面临着巨大的风险。中小企业由于自身的局限性和特点,再加上我国商业银行在经营管理工作、业务流程方面存在着许多不足之处,使得中小企业信贷风险变的非常难以防控。如果对中小企业信贷业务工作加强管理,那么商业银行不仅可以从中获利而提高竞争力,也可以缓解商业银行由于中小企业信贷风险过高宁愿放弃利润也不愿融资的尴尬局面。本文在综述信贷风险管理理论的基础上,梳理前人研究成果,以风险识别—风险评价—风险控制为主线,研究建行S分行中小企业的信贷风险管理,通过分析建行S分行中小企业信贷业务发展状况及信贷风险管理现状,从信用风险、操作风险、外部风险方面提出风险管理存在的问题,并分析三类风险存在的主要原因分别是没有合适的风险评估模型、客户经理整体素质较低、贷款风险点难以把握以及信贷管理体制不健全。从风险识别开始,对建行S分行中小企业的信用风险进行多方位的识别,梳理出信用风险的主要风险点,运用层次分析法对识别出的风险点进行量化评估,获得关键信用风险点,并从改进中小企业信用评级方法、重视中小企业现金流量分析以及加强关联企业调查管理三个方面提出相应的防控措施。在对建行S分行中小企业信贷操作风险的分析中,运用风险综合评价法对风险点进行量化打分,确定了评估方法不健全、操作风险信息披露不足以及信贷业务流程不规范为操作风险的关键风险点,提出了相对应的防控措施。进而识别分析建行S分行面临的外部风险,通过制定合适的费率以及建立最优资产组合的方法对外部风险进行风险补偿,通过优化建行S分行合作贷款模式转移风险。为保证建行S分行中小企业信贷风险管理设计有效实施,从组织设置、信息技术支撑以及人员配备三方面制定了多项保障措施。以期对建行S分行开拓中小企业信贷业务,严控信贷风险提供方法与控制措施,进而有效促进当地中小企业健康良好的发展。
[Abstract]:Small and medium-sized enterprises is an integral part of the national economy at the same time, commercial banks in the credit market competition increasing, SMEs credit market for commercial banks is imperative, but in the commercial banks for small and medium-sized enterprises profit also faces enormous risks of small and medium-sized enterprises. Due to the limitations and characteristics of their own. Coupled with China's commercial banks in the management of business process, there are many inadequacies in the SMEs credit risk becomes very difficult to control. If the small and medium-sized enterprises to strengthen the management of credit business, then commercial banks can not only benefit from and improve competitiveness, can also ease the commercial banks because of the small and medium-sized enterprise credit the risk of excessive profit rather than financing would give up the embarrassing situation. Based on the theory of credit risk management. Combing the previous research results, the risk identification, risk evaluation and risk control as the main line, the credit risk management of small and medium-sized enterprises of S branch, through the analysis of present situation of Construction Bank credit business development situation and the credit risk management of small and medium enterprises in S branch, from the credit risk, operation risk, put forward existent problems of risk management of external risk. It analyzes the main reason there are three kinds of risks are not appropriate for risk assessment model, the overall quality of customer manager is low, difficult to grasp and credit loan risk management system is not perfect. Starting from the risk identification, identification of multi range of small and medium-sized enterprises of S branch of credit risk, sort out the main points of credit risk the risk of using AHP to quantitatively evaluate the identifiedrisk points, get the key point of credit risk, and from the improvement of small and medium-sized enterprises credit rating method, weight Analysis of small and medium-sized enterprises cash flow and strengthen the three aspects of affiliated enterprises survey management put forward the corresponding prevention and control measures. In the analysis of small and medium sized enterprises of China Construction Bank S branch credit operational risk, the risk of the use of quantitative scoring risk assessment method, the evaluation method is not perfect, lack of risk information disclosure and credit business process operation specification for key risk points for operational risk, and puts forward the corresponding prevention and control measures. Then the analysis of the identification of S branch of the external risk, through the development of appropriate rate and the establishment method of optimal portfolio of risk compensation of external risks, through the optimization of S branch cooperation loan mode transfer of risk. In order to ensure the effective implementation of the design the credit risk management of small and medium enterprises in S branch, from the organization, information technology support and staffing three developed a number of Safeguard measures. With a view to developing SMEs' credit business in S branch of China Construction Bank, we must strictly control credit risk and provide methods and control measures, so as to effectively promote the healthy and good development of local SMEs.

【学位授予单位】：西安理工大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.4;F276.3

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