交通银行株洲分行中小企业信贷风险管理研究

发布时间：2018-04-05 08:20

  本文选题：交通银行株洲分行　切入点：中小企业　出处：《湖南大学》2014年硕士论文

【摘要】：目前，中小企业的主要融资渠道是银行信贷，因此，中小企业信贷业务也逐渐成为商业银行占据信贷业务市场份额的“新战场”，同时，商业银行也面临着较大的信贷风险。因此，对商业银行中小企业信贷业务风险进行优质管理，是商业银行信贷业务扩张的同时，维持其自身资产安全性、流动性和盈利性的重要保障。 本文首先对中小企业的概念进行界定，指出商业银行中小企业信贷的特殊性风险，，介绍了商业银行目前普遍运用的信贷风险评估方法及指标，随后从四个方面阐述了中小企业信贷风险管理的理论基础，包括信息不对称理论、企业生命周期理论、贷款承诺理论及信贷配给理论。然后将理论与实际联系，结合交通银行株洲分行（以下简称“株洲交行”）中小企业信贷业务发展状况，介绍了株洲交行中小企业信贷业务的风险管理现状。最后，本文着眼于商业银行的贷前风险识别、贷中风险评估以及贷后风险监控三大角度，对株洲交行中小企业信贷风险管理存在的问题进行剖析。 本文在依据现有信贷风险管理理论及国外银行先进经验的基础上，从完善株洲交行织构架、风险管理流程及加强三大风险管理机制等方面提出改善株洲交行中小企业信贷风险管理的对策，同时通过营造成熟的信贷风险管理文化、完善信息系统建设及充实风险管理人才来保障对策的顺利实施。
[Abstract]:At present, the main financing channel of SMEs is bank credit. Therefore, SME credit business has gradually become a "new battlefield" for commercial banks to occupy the market share of credit business. At the same time, commercial banks are also facing greater credit risks.Therefore, it is an important guarantee for commercial banks to maintain their own assets security, liquidity and profitability while expanding their credit business.This paper first defines the concept of small and medium-sized enterprises, points out the special risk of SMEs credit in commercial banks, and introduces the credit risk assessment methods and indicators that are widely used by commercial banks at present.Then the theoretical basis of SME credit risk management is expounded from four aspects, including information asymmetry theory, enterprise life cycle theory, loan commitment theory and credit rationing theory.Then combining the theory with practice and combining with the development of credit business of small and medium-sized enterprises in Zhuzhou Branch of Bank of Communications (hereinafter referred to as "Zhuzhou Communications Bank"), the paper introduces the risk management status of credit business of small and medium-sized enterprises in Zhuzhou Bank of Communications.Finally, this paper focuses on the commercial bank pre-credit risk identification, loan risk assessment and post-loan risk monitoring, to analyze the existing problems of credit risk management in small and medium-sized enterprises of Zhuzhou Communications Bank.Based on the existing theory of credit risk management and the advanced experience of foreign banks, this paper improves the structure of Zhuzhou Bank of Communications.The measures to improve the credit risk management of small and medium-sized enterprises in Zhuzhou Bank of China are put forward in the aspects of risk management process and strengthening the three risk management mechanisms. Meanwhile, through the creation of a mature credit risk management culture,Improve the construction of information systems and enrich risk management personnel to ensure the smooth implementation of countermeasures.
【学位授予单位】：湖南大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.4;F276.3

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本文编号：1713939