中国工商银行北京分行中小企业信贷风险管理研究

发布时间：2018-03-18 05:20

本文选题：风险管理　切入点：信贷风险　出处：《河北科技大学》2014年硕士论文　论文类型：学位论文

【摘要】：近年来，国际金融危机、国内困难重重的经济发展态势以及银行忽视信贷风险的行为时刻在为我国商业银行的信贷风险控制敲响警钟，这些都在不断地向世人展示金融领域风险积聚、风险释放、风险传染对实体经济产生的深远影响。在我国经济改革与发展过程中，，中小企业一方面以其数量上的显著优势在国民经济、创造就业等方面发挥出日益重要的作用，另一方面中小企业因融资难等原因使整体行业的发展受到制约。商业银行对中小企业的惜贷与风险把控困难，导致中小企业融资困难，银行相关业务难以顺利展开。本文以钢贸行业中小企业贷款作为风险事件分析了中国工商银行北京分行在中小企业信贷业务中存在的问题，表明虽然信贷业务占利润收入的比重较大，取得较快的发展，但是需要解决的问题仍然存在，并提出了防范中小企业信用风险、科学设计贷前、贷中、贷后信贷业务流程、加强行业分析等规避中小企业信贷风险的路径，在今后的实际工作中具有借鉴意义。通过案例分析法、五力模型分析法，笔者发现存在于中国工商银行中小企业信贷中的风险包括：宏观政策环境引起的风险，信息不对称造成的风险，行业波动较大造成的风险，管理不利造成的风险等，并从完善管理中小企业信贷风险制度、强化管理中小企业信贷、完善贷款流程、完善人才培养与激励机制等方面有针对性地提出了风险管理对策。
[Abstract]:In recent years, the international financial crisis, the domestic difficult economic development situation and the banks' behavior of neglecting the credit risk are sounding alarm bells for the credit risk control of the commercial banks in our country. These are constantly demonstrating to the world the profound impact of risk accumulation, risk release and risk contagion on the real economy in the financial field. In the process of economic reform and development in China, On the one hand, small and medium-sized enterprises play an increasingly important role in the national economy, employment creation, and so on, with their significant quantitative advantages. On the other hand, the development of the whole industry is restricted because of the financing difficulty of the small and medium-sized enterprises. This paper analyzes the problems existing in the SME credit business of ICBC Beijing Branch with the SME loan in the steel trade industry as a risk event. It shows that although the credit business accounts for a large proportion of the profit income, it has made rapid development. However, there are still some problems to be solved, and some ways to avoid the credit risk of SMEs are put forward, such as preventing the credit risk of small and medium-sized enterprises, scientifically designing the business process of credit before, during and after lending, strengthening industry analysis and so on, to avoid the credit risk of small and medium-sized enterprises. Through the case analysis and the five-force model analysis, the author finds that the risks in the SME credit of ICBC include: the risk caused by the macro policy environment, The risks caused by asymmetric information, the risks caused by large fluctuations in the industry, the risks caused by adverse management, and so on, and the improvement of the credit risk system for small and medium-sized enterprises, the strengthening of the management of credit for small and medium-sized enterprises, and the improvement of the loan process, The countermeasures of risk management are put forward in order to perfect talent training and incentive mechanism.
【学位授予单位】：河北科技大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F276.3;F832.4

【相似文献】