Y银行小微企业信贷业务风险管理研究

发布时间：2018-04-09 20:35

本文选题：小微企业信贷　切入点：风险管理　出处：《西安邮电大学》2017年硕士论文

【摘要】：小微企业作为拉动我国经济发展和就业的重要力量,其发展潜力大、数量庞大,但长期以来融资难、融资成本高的困境一直制约着我国小微企业的发展。随着利率市场化和经济常态化的发展,银行金融机构对小微企业的关注度在不断提高,在政府的大力支持下,小微企业融资难、融资成本高有所改善,但小微企业经营不规范、风险高等固有的问题难以得到改善,银行金融机构在为小微企业提供信贷服务方面逐步陷入了追逐收益和控制风险两难的境地。Y银行作为一家比较年轻的银行,从事小微企业信贷业务的经验相对不足,其小微企业信贷业务风险管理面临的问题较多,对于Y银行小微企业信贷风险管理的研究对于其转型发展意义重大。本文以风险管理理论为基本框架,运用PEST、SWOT工具分析了 Y银行小微企业信贷风险管理面临的内外部环境,结合Y银行小微企业信贷风险管理的现状,找出了当前在贷前贷中前后流程中存在的风险管理问题。贷前贷中贷后全流程风险管理问题的解决,对于提升Y银行小微企业信贷风险管理质量至关重要,针对存在问题,本文运用风险管理的相关理论,结合Y银行的实际情况,提出了科学合理的对策建议。对策建议针对性强,贯穿小微企业信贷风险管理的全流程,对于提升Y银行在小微企业信贷全流程业务中的风险把控能力,全面提升小微企业信贷风险管理能力具有较强的指导意义。为保障对策建议的实施,本文从人力、物力、系统、合规文化等四个方面提出了保障措施,确保相关的对策建议顺利实施。Y银行小微企业信贷业务风险管理中存在的问题在银行金融机构中具有普遍性,对于此问题的深入探讨对解决当前小微企业融资难融资贵的困境有比较好的借鉴意义。银行机构之间随着小微企业服务体系的不断同质化,相互借鉴、取长补短是大势所趋,对于Y银行小微企业信贷风险管理的研究,既可以吸取其他银行机构在小微企业信贷方面的优势,也可以为其他银行机构提供参考,有助于推动小微企业信贷风险管理的改革,有比较强的现实意义。
[Abstract]:As an important force to stimulate the economic development and employment of our country, small and micro enterprises have a large development potential and a large number, but for a long time the difficulties of financing and the high financing cost have been restricting the development of small and micro enterprises in our country.With the development of interest rate marketization and economic normalization, banks and financial institutions are paying more and more attention to small and micro enterprises. With the support of the government, the financing of small and micro enterprises is difficult, the financing cost is high, but the small and micro enterprises are not standardized.The inherent problems of high risk are difficult to improve, and banks and financial institutions have gradually fallen into the dilemma of chasing returns and controlling risks in providing credit services to small and micro enterprises. Bank Y, as a younger bank,There are many problems in credit risk management of small and micro enterprises. The research on credit risk management of small and micro enterprises in Y bank is of great significance to its transformation and development.Based on the theory of risk management, this paper analyzes the internal and external environment of credit risk management of small and micro enterprises in Y Bank by using PEST-SWOT tool, and combines the present situation of credit risk management of small and micro enterprises in Y Bank.This paper finds out the risk management problems in the process before and after the loan.The solution of the whole process risk management problem after lending before and after lending is very important to improve the quality of credit risk management in small and micro enterprises of Y Bank. In view of the existing problems, this paper applies the theory of risk management and combines the actual situation of Y Bank.Scientific and reasonable countermeasures and suggestions are put forward.The countermeasures and suggestions have strong pertinence, run through the whole process of credit risk management of small and micro enterprises, and improve the risk control ability of Y bank in the whole business of small and micro enterprise credit.It is of great significance to improve the credit risk management ability of small and micro enterprises.In order to ensure the implementation of countermeasures and suggestions, this paper puts forward the safeguard measures from four aspects: manpower, material resources, system, compliance culture, etc.Ensuring the successful implementation of the relevant countermeasures and recommendations for the smooth implementation of the problems in the management of credit risks in the credit operations of the small and micro enterprises of Bank Y are common among bank financial institutions,The deep discussion of this problem is of great significance for solving the difficult financing dilemma of small and micro enterprises.With the constant homogeneity of the service system of small and micro enterprises, it is the trend of the times for banks to learn from each other and to learn from each other. The research on credit risk management of small and micro enterprises in Y Bank,It can not only absorb the advantages of other banking institutions in the credit of small and micro enterprises, but also provide reference for other banking institutions. It is helpful to promote the reform of credit risk management of small and micro enterprises, which is of great practical significance.
【学位授予单位】：西安邮电大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.4;F275

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