邮储银行抚顺分行妇女贴息小额贷款风险管理研究

发布时间：2018-01-18 02:18

本文关键词：邮储银行抚顺分行妇女贴息小额贷款风险管理研究　出处：《吉林大学》2017年硕士论文　论文类型：学位论文

【摘要】：本篇论文通过邮储银行抚顺市分行与政府各级机构合作开展的妇女贴息小额贷款为实例,通过文献检索和理论结合案例的研究方法,阐述如何探索出一条从初期合作、贷款调查、审查审批、签约放款到贷后管理的全流程风险管理模式,并采用严格审慎的风险管理方法,综合性地提出邮储银行抚顺分行妇女贴息小额贷款项目的改进方案,并对如何降低风险水平、完善项目的风险管理方法进行研究。文章一共分四个章节,第1章简要指出本篇论文选题的背景、意义和研究方法。首先对妇女贴息小额贷款业务的开办和发展简要介绍,再归纳出妇女贴息小额贷款风险防控的重要意义;其后对近年来国际及国内小额贷款业务研究的文献进行总结归纳,梳理国外、国内学者对小额贷款业务领域尤其是妇女贴息小额贷款业务领域的研究成果。第2章内容介绍邮储银行抚顺分行妇女贴息小额贷款业务主要风险识别,分为三个层面,第一层介绍了妇女贴息小额贷款业务在我国的发展历程,其中重点介绍了妇女贴息小额贷款在邮储银行抚顺分行的办理流程,通过简介抚顺市抚顺县下辖乡镇及抚顺市新抚区的贷款风险案例,总结出不同层面上的贷款风险现状如道德风险、信用风险、操作风险等,并对这几类风险的成因进行简要分析。第3章从宏观角度深入介绍邮储银行妇女贴息小额贷款业务的风险成因,主要概括为三点,一是失业妇女扶持政策不完善,表现在邮储银行对借款人妇女的就业创业培训工作及政策引导上工作不到位,二是项目参与主体认识存在偏差,表现为各个级别的工作人员对这项业务的认知还不到位,三是这项业务的产品设计和流程设计还存在缺陷,综合这三点原因,是邮储银行抚顺分行妇女贴息小额贷款业务风险产生的根源。第4章介绍邮储银行抚顺分行妇女贴息小额贷款业务风险控制措施,主要分为四点,一是要完善邮储银行对下岗妇女扶持政策和征信体系的建设,二是改善对妇女贴息小额贷款业务的整体设计,三是完善邮储银行抚顺分行妇女贴息小额贷款风险预警机制,四是强化非银行部门对这项业务的风险控制和担保效果。通过这四项措施,希望可以对邮储银行抚顺分行妇女贴息小额贷款项目的风险管理工作有所裨益,使银行发展更上一层楼。
[Abstract]:This paper through the postal savings bank Fushun branch and government agencies at all levels of cooperation to carry out small loans for women as an example, through literature retrieval and theory combined with the case study method. This paper expounds how to explore a whole process risk management model from initial cooperation, loan investigation, examination and approval, contract loan to post-loan management, and adopt strict and prudent risk management method. Comprehensively put forward the postal savings bank Fushun branch women interest discount micro-credit project improvement program, and how to reduce the risk level, improve the project risk management methods. The article is divided into four chapters. Chapter 1 briefly points out the background, significance and research methods of this thesis. Firstly, it briefly introduces the establishment and development of women's discount micro-credit business. Then sum up the importance of preventing and controlling the risk of women's discount small loans; In recent years, the international and domestic microfinance business research literature is summarized and summarized, combing the foreign countries. Domestic scholars in the area of micro-credit business, especially women discount micro-credit business research results. Chapter 2 introduces the postal savings bank Fushun branch of the main risk identification of women discount micro-credit business. It is divided into three levels. The first layer introduces the development of women's interest discount micro-credit business in China, which focuses on the processing process of women's discount micro-credit in Fushun Branch of Postal savings Bank. By introducing the loan risk cases in Fushun County and Xinfu District of Fushun City, this paper summarizes the current situation of loan risk on different levels, such as moral hazard, credit risk, operational risk and so on. And the causes of these types of risks are briefly analyzed. Chapter 3 from a macro perspective in-depth introduction of the Postal savings Bank women discount micro-credit business risk causes, mainly summarized three points. First, the unemployed women support policy is not perfect, which is reflected in the Postal savings Bank of the borrower women employment entrepreneurship training work and policy guidance is not in place, the second is the project participants in the main understanding of deviation. Performance for the various levels of staff understanding of this business is not in place, the third is the product design and process design of the business is still flawed, comprehensive of these three reasons. The fourth chapter introduces the risk control measures of women's interest discount micro-credit business in Fushun branch of postal savings bank, mainly divided into four points. The first is to improve the Postal savings Bank to laid-off women support policy and credit system construction, the second is to improve the overall design of women discount micro-credit business. Third, improve the Postal savings Bank Fushun Branch Women's discount micro-credit risk warning mechanism, fourth, strengthen the non-bank sector to the risk control and guarantee effect of this business, through these four measures. It is hoped that it will benefit the risk management of the Women's interest discount Microloan Project in Fushun Branch of the Postal savings Bank, and make the development of the bank a higher level.
【学位授予单位】：吉林大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.4;F618.3

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