商业银行小微企业信贷业务操作风险管理研究

发布时间：2018-01-12 11:35

本文关键词：商业银行小微企业信贷业务操作风险管理研究　出处：《哈尔滨理工大学》2017年硕士论文　论文类型：学位论文

【摘要】：中国小微企业在最近几年的发展比较迅猛,尤其在扩大就业、振兴经济、创造需求、促进竞争等方面起到显著的推动作用。但小微企业也存在一些缺陷,如:生产规模小、科技含量低、资本积累不足等,而能否充分高效的获取融资,已然成为了小微企业健康快速发展的关键问题。小微企业作为中国经济的支柱产业集群,是中国经济中最基本的细胞单元,如果小微企业发展不稳定,宏观经济的发展也会遭遇障碍。商业银行若想获得长期稳键发展,必须处理好小微企业信贷风险的管理问题,需要在不影响小微企业经营发展的前提下,开展风险管理活动。在加快开拓小微企业信贷市场的前提下,合理的控制信贷风险是商业银行增加竞争力的重要手段,也是提高银行盈利水平的关键途径。本文以我国商业银行对小微企业的信贷融资现状为切入口,分析小微企业信贷业务的流程以及各阶段存在的风险因素,综合运用商业银行对小微企业信贷风险管理等方面的相关理论,通过构建层次分析的识别模型,辅以区间模糊值综合评价模型,为分析研究小微企业信贷业务中风险管控问题的提出一个新的方法。合理运用本文所述方法对内蒙古银行进行实证分析,找出小微企业信贷融资中存在的风险因素,并对其进行有效性与可控性分析,从小微企业信贷业务流程、风险管控、担保方式等方面进行理论与实践的创新研究,找出内蒙古银行在小微企业信贷风险管控中存在的问题,掘商业银行内部管理中存在的不足,准确定位风险管控的重点和难点,为解决银行信贷风控问题与小微企业融资困境提出与之相对应的防范对策和建设性意见,加强商业银行在小微信贷市场上的竞争优势,提升小微企业信贷服务水平,这对我国商业银行如何有效的控制信贷风险、探索新的风险管控思路具有重要的借鉴、参考和实践意义。
[Abstract]:In recent years, the development of small and micro enterprises in China is quite rapid, especially in expanding employment, revitalizing economy, creating demand, promoting competition and so on. However, small and micro enterprises also have some defects. For example: the scale of production is small, the technology content is low, the capital accumulation is insufficient, and can obtain the financing fully and efficiently. As the pillar industrial cluster of Chinese economy, small and micro enterprises are the most basic cell unit in Chinese economy, if the development of small and micro enterprises is not stable. If commercial banks want to obtain long-term stable development, they must deal with the management of credit risk of small and micro enterprises, and need not affect the development of small and micro enterprises. Under the premise of speeding up the development of the credit market of small and micro enterprises, reasonable control of credit risk is an important means for commercial banks to increase their competitiveness. It is also a key way to improve the profitability of banks. This paper takes the credit financing status of small and micro enterprises as the entry point, analyzes the process of small and micro enterprises credit business and the risk factors in each stage. Comprehensive use of commercial banks to small and micro enterprise credit risk management and other aspects of the relevant theory, through the establishment of AHP identification model, supplemented by interval fuzzy value comprehensive evaluation model. In order to analyze and study the risk management and control in the small and micro enterprise credit business, a new method is put forward, and the empirical analysis of Inner Mongolia Bank is made by using the method described in this paper. Find out the risk factors in the small and micro enterprise credit financing, and analyze its validity and controllability, from the small and micro enterprise credit business process, risk control. This paper studies the theory and practice of guarantee method, and finds out the problems of Inner Mongolia Bank in the credit risk control of small and micro enterprises, and the deficiencies in the internal management of commercial banks. In order to solve the problem of bank credit risk control and the financing dilemma of small and micro enterprises, the corresponding countermeasures and constructive suggestions are put forward. Strengthening the competitive advantage of commercial banks in the small and micro credit market, improving the level of credit services for small and micro enterprises, which is how to effectively control the credit risk of commercial banks in China. Exploring new ideas of risk control has important reference, reference and practical significance.
【学位授予单位】：哈尔滨理工大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.4;F276.3;F275

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