X银行小微企业信贷风险管理研究

发布时间：2018-05-18 04:00

本文选题：信息不对称 + 小微企业信贷风险管理　；参考：《郑州大学》2017年硕士论文

【摘要】：随着我国市场经济的不断发展,国内小微企业发展迅速,成为经济发展中最具有活力和发展潜力的企业群体,为经济增长和解决就业问题等方面发挥了巨大的作用,但小微企业融资渠道不畅成为阻碍企业发展的主要原因。由于小微企业经营不稳定、财务信息不透明等多种因素导致银行对小微企业的信贷资金面临较大的信用风险,商业银行为了降低风险而对小微企业惜贷,因此提高银行的信贷风险管理水平是发展小微企业信贷业务的关键所在。本文通过分析小微企业信贷资金具有短、频、急的特征,企业规模小且抗风险能力弱、担保抵押风险明显、关联风险大等特征,以X银行为例,分析了X银行小微企业信贷业务模式和风险管理的现状。从贷前、贷后和制度建设的角度,得出X银行在小微企业信贷风险管理中存在业务增速过快,利率普遍偏高、产品过于激进,风险控制不够严格、缺乏小微企业信贷风险计量体系和风险预警机制、信息不对称及逆向选择风险加剧的问题,而经济下行,小微企业生存受到考验、小微金融产品创新能力不足、银企信息不对称、人才队伍建设不完善、缺乏统一的风险管理体系是导致这些问题的主要原因。为更好地保障小微企业信贷风险管理体系的实施,从加强X银行小微企业信贷部门自身建设、建立完善的人才队伍、提供优质的产品和服务、提高风险资产处置能力等方面提出建议,完善X银行信贷风险管理制度,从而达到控制风险的目的。
[Abstract]:With the continuous development of the market economy in our country, the domestic small and micro enterprises have developed rapidly and become the most dynamic and potential enterprise group in the economic development, which has played a great role in economic growth and solving the employment problem. But the small and micro-enterprise financing channel is not smooth becomes the main reason which hinders the enterprise development. Due to the unstable operation of small and micro enterprises and the opaque financial information, banks face greater credit risk to small and micro enterprises. In order to reduce the risk, commercial banks are reluctant to lend to small and micro enterprises. Therefore, improving the level of credit risk management is the key to the development of small and micro-enterprise credit business. This paper analyzes the characteristics of small and micro enterprise credit funds, such as short, frequent and urgent, small scale, weak ability to resist risks, obvious guarantee mortgage risk, large associated risk and so on, taking X Bank as an example. The present situation of credit business model and risk management of small and micro enterprises in X Bank is analyzed. From the point of view of pre-loan, post-loan and system construction, it is concluded that X Bank has too fast business growth rate, high interest rate, too radical product and not strict risk control in the credit risk management of small and micro enterprises. Lack of credit risk measurement system and risk warning mechanism, information asymmetry and adverse selection of the risk of aggravating problems, but the economic downturn, the survival of small and micro enterprises are tested, small and micro financial products innovation capacity is insufficient, The main causes of these problems are asymmetric information of banks and enterprises, imperfect construction of talents and lack of unified risk management system. In order to better guarantee the implementation of credit risk management system for small and micro enterprises, we should strengthen the construction of the credit department of small and micro enterprises in X Bank, establish a perfect team of talents, and provide high quality products and services. In order to control the risk, some suggestions are put forward to improve the risk management system of X bank.
【学位授予单位】：郑州大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.4;F275

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