A银行宜春市分行中小企业信贷风险管理研究

发布时间：2018-03-07 09:50

本文选题：中小企业　切入点：信贷风险　出处：《河北金融学院》2017年硕士论文　论文类型：学位论文

【摘要】：近年来,随着国民经济的不断发展,中小企业快速崛起,其融资需求也日益增长。商业银行为了扩大盈利渠道,增加利息收入,纷纷大力发展中小企业金融服务,加大对中小企业的信贷融资规模。但是受中小企业规模小、效益不稳定、抗风险能力弱、信用担保缺乏等原因的限制,当前商业银行中小企业贷款业务出现了不良贷款率偏高、违约风险较大等问题。因此,在更好的服务地方中小企业的同时,加强信贷风险管理成为商业银行长期稳定发展的必然要求。本论文从国内外的研究现状入手,并从中小企业信贷风险成因和商业银行信贷风险管理办法两个方面对文献进行总结。然后基于目前A银行宜春市分行中小企业信贷开展状况、相关信贷产品和信贷业务流程三个角度阐述A银行宜春市分行中小企业信贷管理现状,并以具有代表性的BL实业有限责任公司流动资金贷款项目作为实际案例,通过对其信贷管理流程进行分析,指出A银行宜春市分行在贷前尽职调查、贷款产品设计、授信与审批和贷后管理等方面的问题。通过对A银行宜春市分行代表性案例的分析,结合A银行宜春市分行信贷风险管理的现状,分析得出A银行贷前尽职调查规范度有待改善、信贷产品单一、贷款定价管理不科学、授信审批受主观影响和贷后监管缺失的问题,并提出相应的解决对策,比如强化贷前尽职调查、加大对中小企业金融产品创新、落实科学定价机制、加强信贷人员管理和完善贷后管理制度等。
[Abstract]:In recent years, with the continuous development of the national economy, the rapid rise of small and medium-sized enterprises, their financing needs are also increasing. In order to expand profit channels and increase interest income, commercial banks have vigorously developed financial services for small and medium-sized enterprises. Increase the scale of credit financing for small and medium-sized enterprises. However, due to the small scale of small and medium-sized enterprises, unstable benefits, weak ability to resist risks, lack of credit guarantee, and other reasons, the current commercial banks' small and medium-sized enterprises' loan business has a high non-performing loan ratio. Therefore, while serving local SMEs better, strengthening credit risk management has become an inevitable requirement for the long-term and stable development of commercial banks. And from the causes of SME credit risk and commercial bank credit risk management methods to summarize the literature. Then based on the current A Bank Yichun branch SME credit development situation, This paper expounds the credit management status of small and medium-sized enterprises in Yichun branch of Bank A from the three angles of related credit products and credit business processes, and takes the typical liquid capital loan project of BL Industrial Co., Ltd as a practical case. Through the analysis of its credit management process, the paper points out the problems of Yichun branch of Bank A in the aspects of due diligence before loan, design of loan products, credit and approval, and management after loan, etc. Through the analysis of representative cases of Yichun branch of Bank A, Combined with the current situation of credit risk management in Yichun branch of Bank A, the paper analyzes that the due diligence normative degree of Bank A before loan needs to be improved, the credit product is single, and the loan pricing management is not scientific. Credit approval is subject to subjective influence and lack of supervision after lending, and puts forward corresponding solutions, such as strengthening due diligence before lending, increasing innovation of financial products for small and medium-sized enterprises, and implementing scientific pricing mechanism. Strengthen the management of credit personnel and improve the management system after loan.
【学位授予单位】：河北金融学院
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.4;F276.3

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