新常态下N银行中小企业信贷风险管理研究

发布时间：2018-06-17 19:05

本文选题：新常态 + 中小企业　；参考：《南京师范大学》2017年硕士论文

【摘要】：习近平在2014年提出我国经济发展的“新常态”理念,并认为经济转型是面对当前经济下行压力的工作重点。当前,2015年2月国务院颁布了“支持和引导非公有制经济若干意见”,中国人民银行和银监会随后发出“解决中小企业贷款难题”的通知。另一方面,随着我国金融改革的推进,商业银行之间竞争激烈程度有增无减,因此将原本不太受关注的中小企业信贷业务立为发展重点,也被各家商业银行视为转型的契机。然而现实是,各家商业银行业务风险管理流程仍然存在不够标准化、精细化等诸多问题的同时,针对原本违约风险较大的中小企业群体,加大贷款投放力度反而成为了埋下不良贷款隐患的行为,因此在当前经济下行阶段,大多数商业银行在风险管理上仍然以“惜贷”的姿态面对着中小企业市场。这在根本上,与当前商业银行在应对中小企业市场时采取的风险管理思路有着密不可分的关系。本文将以N银行中小企业信贷风险管理作为研究样本,寻找N银行中小企业信贷风险管理上的缺陷并提出自己的改进意见,旨在探索商业银行中小企业信贷业务如何在当前以经济下行为背景的新常态下,既能保证信贷资产安全稳定,又能保持高效率的业务发展水平。也希望能以此文的完成,对我国商业银行中小企业信贷风险管理起到理论体系补充完善的效果。
[Abstract]:In 2014, Xi Jinping put forward the concept of "new normal" in China's economic development, and considered that economic transformation is the focus of the current economic downturn. At present, in February 2015, the State Council promulgated the opinions on supporting and guiding the Non-public ownership economy, and the people's Bank of China and the Banking Regulatory Commission subsequently issued a circular on "solving the problem of small and medium-sized enterprises' loans." On the other hand, with the promotion of financial reform in China, the fierce competition between commercial banks has increased. Therefore, the credit business of small and medium-sized enterprises, which was not much concerned, is regarded as the turning point of transformation by commercial banks. However, the reality is that the business risk management process of commercial banks is still not standardized, refined and many other problems, at the same time, aimed at the group of small and medium-sized enterprises with higher default risk. Increasing the investment of loans has become the behavior of burying the hidden dangers of non-performing loans. Therefore, in the current economic downturn, most commercial banks still face the market of small and medium-sized enterprises with the attitude of "sparing credit" in risk management. This is fundamentally related to the risk management thinking adopted by commercial banks in dealing with the market of small and medium-sized enterprises. This paper will take the credit risk management of small and medium-sized enterprises in N Bank as the research sample to find out the defects of credit risk management of small and medium-sized enterprises in N Bank and put forward some suggestions for improvement. The purpose of this paper is to explore how the credit business of small and medium-sized enterprises in commercial banks can not only guarantee the security and stability of credit assets, but also maintain a high efficient level of business development under the new normal situation with the background of economic downturn. It is also hoped that the completion of this paper will complement and perfect the theoretical system of credit risk management for small and medium-sized enterprises in commercial banks in China.
【学位授予单位】：南京师范大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.4;F275;F276.3

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