工行某小微金融业务中心信贷风险管理研究

发布时间：2018-06-03 17:48

本文选题：小微企业 + 信贷风险管理　；参考：《宁夏大学》2017年硕士论文

【摘要】：近年来,随着政府对小微企业的政策支持力度不断增大,小微企业迅速发展,逐渐成为我国市场经济发展过程中最主要的经济实体。鉴于此,国内各商业银行在响应国家政策大力支持的同时,相继推出各种各样的小微企业信贷产品,不断拓展小微信贷业务市场。但另一方面,由于小微企业存在经营成本压力大、财务管理不规范、抗风险能力弱等特点,导致不良贷款风险事件频频发生,给商业银行带来了不容忽视的信贷业务风险,因而小微企业信贷业务风险管理的重要性不容忽视。论文以工行宁夏分行某小微企业金融业务中心作为研究对象,通过对某小微金融业务中心信贷风险管理框架、主要融资产品、评级授信体系、小微信贷业务的调查审查审批、信贷风险监测预警、存续期管理以及不良贷款问责制度等现状进行研究,指出目前小微中心信用等级评级指标、信贷产品担保方式、贷后管理非现场监测、从业人员风险意识等方面存在的问题,在分析上述问题形成原因的基础上,提出针对小微企业特点整合评级指标体系、创新信贷产品担保方式、贷前识别与贷后非现场监测双管齐下、加强信贷风险文化建设等改进对策,从而推动工行宁夏分行小微信贷业务稳健发展,同时为同业小微金融业务中心的信贷风险管理工作提供一定借鉴。
[Abstract]:In recent years, with the increasing government policy support to small and micro enterprises, small and micro enterprises have developed rapidly and become the most important economic entity in the development of market economy in China. In view of this, the domestic commercial banks in response to the state policy support, at the same time, one after another launched a variety of small and micro enterprise credit products, continue to expand the small and micro credit business market. But on the other hand, because of the characteristics of large operating cost pressure, non-standard financial management and weak anti-risk ability of small and micro enterprises, the non-performing loan risk events occur frequently, which brings the commercial banks credit business risks that can not be ignored. Therefore, the importance of credit risk management in small and micro enterprises can not be ignored. This paper takes a small and micro enterprise financial business center of Ningxia branch of ICBC as the research object, through the investigation and approval of the credit risk management framework, main financing products, credit rating system, small and micro credit business of a small and micro financial business center. The current situation of credit risk monitoring and early warning, life management and non-performing loan accountability system is studied. It is pointed out that the credit rating index, credit product guarantee mode, off-site monitoring of post-loan management, and so on, On the basis of analyzing the causes of the above problems, this paper puts forward to integrate the rating index system according to the characteristics of small and micro enterprises, and to innovate the way of credit product guarantee. Both pre-credit identification and off-site monitoring, strengthening the construction of credit risk culture, and so on, will promote the steady development of ICBC's small and micro credit business in Ningxia Branch. At the same time, it provides some reference for the credit risk management of the same micro-financial business center.
【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;F275

【参考文献】