包商银行微小企业贷款风险控制研究

发布时间：2018-01-18 04:27

本文关键词：包商银行微小企业贷款风险控制研究　出处：《内蒙古财经大学》2014年硕士论文　论文类型：学位论文

【摘要】：随着经济全球化的快速发展，我国利率市场化进程也在快速的向前迈进。为增加利息收入，越来越多的金融机构将目光投向微小企业信贷市场。微小企业在我国国民经济发展中起着非常重要的作用，其发展的好坏，直接影响着我国人均GDP，人员就业。多年来，国内各金融机构为促进小微企业的发展，在金融产品的研发上采取了积极的尝试，但因信息的不对称都收效甚微。银行为控制风险，在产品的设计、发放流程上进行了严格的控制，最终导致符合条件的微小企业少之又少。因此银行如何针对微小企业实际情况，研发产品并配以完善的风险控制流程将是制约其在拓展微小企业市场的一个重要因素。全文在研究国内外微小企业风险控制流程的基础上，通过分析、比较国内外金融机构在微小企业贷款业务上的风险控制方法和包商银行在微小企业贷款业务上的风险控制方法，分析指出包商银行微小企业贷款风控制的局限性，并针对在微小企业贷款业务风险控制方面的不足提出完善和改进意见，从而有效防范风险，提高资产质量。首先本文以案例的形式介绍了包商银行微小企业信贷风险控制流程，并将其在发展过程中遇见的问题进行总结，，指出存在的问题。然后通过与国内外同业微小企业贷款风险控制流程特点的对比，指出包商银行微小企业贷款风险控制模式存在的局限性。最后借鉴同业的先进风险控制模式，对包商银行微小企业贷款风险控制模式提出改进和完善建议。
[Abstract]:With the rapid development of economic globalization, China's interest rate marketization process is also moving forward rapidly to increase interest income. More and more financial institutions are looking to the credit market of micro-enterprises, which plays a very important role in the development of our national economy. The development of micro-enterprises directly affects the GDP per capita in China. For many years, in order to promote the development of small and micro enterprises, the domestic financial institutions have taken an active attempt in the research and development of financial products, but the information asymmetry has little effect. In the product design, distribution process for strict control, resulting in the final eligibility of very few small enterprises. So how the bank to meet the actual situation of small and medium-sized enterprises. The research and development of products with perfect risk control process will be an important factor restricting the development of micro-enterprises market. On the basis of studying the risk control process of domestic and foreign micro-enterprises, this paper analyzes the risk control process of micro-enterprises at home and abroad. Compare the risk control methods of domestic and foreign financial institutions in the micro-enterprise loan business and the risk control method of the contractor bank in the micro-enterprise loan business. This paper points out the limitation of micro-enterprise loan style control in contractor bank, and puts forward some suggestions to improve the risk control of micro-enterprise loan business, so as to prevent the risk effectively. First of all, this paper introduces the credit risk control process of the small and micro enterprises of the contractor bank in the form of case, and summarizes the problems encountered in the process of development. Points out the existing problems. Then through the comparison with the domestic and foreign micro-enterprise loan risk control process characteristics. This paper points out the limitation of the risk control mode of micro-enterprise loan in the contractor bank. Finally, some suggestions are put forward to improve the risk control mode of the micro-enterprise loan for the contractor bank by using the advanced risk control model of the same industry for reference.
【学位授予单位】：内蒙古财经大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.4;F276.3

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