XX银行杭州市分行小微企业贷款风险控制策略研究

发布时间：2017-12-31 16:00

本文关键词：XX银行杭州市分行小微企业贷款风险控制策略研究　出处：《吉林大学》2014年硕士论文　论文类型：学位论文

【摘要】：目前，在各级政府及各地监管部门的积极推动和倡导下，包括国有商业银行、股份制银行、城商行等在内的各类金融机构均在致力于发展小微企业贷款业务，但由于小微企业与生俱来存在“逆向选择”和“道德风险”等特征，容易造成银行对小微企业贷款投入与产出比的失衡。上述问题困扰着各家商业银行，也促使商业银行在拓展小微企业贷款的过程中不断地探求和摸索，以期走出一条符合各自风险偏好的发展之路。本文就XX银行杭州市分行小微企业贷款风险控制策略为研究对象，，结合地区经济特色，通过分析现实状况、引出存在困难、提出控制策略、指出发展方向。本文首先介绍了小微企业贷款风险控制策略的研究背景与意义、研究内容与方法；进而借鉴部分小微企业贷款风险控制的相关概念及理论，包括小微企业及其贷款相关概念、商业银行小微企业贷款风险控制相关理论；其后阐述XX银行杭州市分行小微企业贷款风险控制现状，即小微企业贷款的总体运行情况、存在的主要风险状况、目前采取的主要风险控制策略；在基于上述现状的前提下本文对XX银行杭州市分行小微企业贷款风险控制策略的缺陷进行了分析，包括小微企业贷款产品的缺陷分析、客户与业务准入环节的缺陷分析、贷款调查和审批过程的缺陷分析、贷后管理环节的缺陷分析和风险控制流程设置的缺陷分析；最后结合部分国内外商业银行小微企业贷款风险控制策略，本文提出了完善XX银行杭州市分行小微企业贷款风险控制策略的方法和手段。
[Abstract]:At present, in actively promoting the government and regulatory authorities around and advocates, including state-owned commercial banks, joint-stock banks, city commercial banks and other financial institutions of all kinds are committed to the development of Small and micro businesses loans, but because of Small and micro businesses born with "adverse selection" and "moral risk" the characteristics, easy to cause the bank to Small and micro businesses loans input and output ratio imbalance. The problems of commercial banks, also prompted commercial banks to continue to explore in the process of expanding Small and micro businesses loans and find, to go out with a different risk preference development. In this paper, the XX Bank of Hangzhou City Branch Small and micro businesses credit risk control strategy as the research object, combined with regional economic characteristics, through the analysis of the reality of the situation, there are difficulties leads, and puts forward the control strategy, pointed out the direction of development.
This paper first introduces the background and significance of the loan risk control strategy Small and micro businesses, research contents and methods; and learn the related concepts of loan risk control theory and some Small and micro businesses, including Small and micro businesses loans of commercial banks and its related concepts, Small and micro businesses credit risk control theory; then elaborated the XX Bank of Hangzhou City Branch Small and micro businesses credit risk control situation, the overall operation of the Small and micro businesses loans, the main risk conditions exist, the main risk is currently taking control strategy; in this paper, based on the current situation of the XX Bank branch in Hangzhou City, Small and micro businesses credit risk control strategies are analyzed, including small defect analysis micro enterprise loan products, analyzing the defects of customer and business access links, analyzing the defects of the approval process and the loan investigation, loan management of defects Analysis and analysis of the defects of risk control process settings. Finally, combined with the risk control strategies of small and micro businesses in some commercial banks at home and abroad, this paper proposes ways and means to improve the risk control strategies of small and micro businesses in XX bank Hangzhou branch.

【学位授予单位】：吉林大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.4;F276.3

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