H商业银行山西省分行小微企业信贷业务风险管理研究

发布时间：2018-04-15 12:34

本文选题：商业银行 + 小微企业　；参考：《兰州交通大学》2017年硕士论文

【摘要】：近年来,我国宏观经济进入经济下行周期,小微企业生产和融资成本不断攀升,生存压力加大,经营情况恶化,债务违约风险上升,商业银行贷款不良率反弹,使得商业银行发展小微企业业务的热情受到打击。然而,政府管理部门、银行监管部门仍要求商业银行加大对小微企业的支持。商业银行如何在宏观经济下行周期中,强化风险管理,将小微企业不良贷款控制在相对合理的范围内,实现小微企业业务的可持续发展,成为各家商业银行亟需解决的问题。论文首先对商业银行信贷风险的类型、商业银行信贷风险管理的方法以及商业银行信贷风险管理的内容进行了阐述。其次对H商业银行山西省分行小微企业信贷业务风险管理现状与问题分析。对H商业银行小微企业信贷业务风险管理的框架与流程以及在风险管理中存在的问题进行了分析。再次,论文提出了H商业银行山西省分行小微企业信贷业务风险管理的对策。从提高风险识别水平、创新风险计量方式、细化风险监测机制、运用“互联网+”协助商业银行控制风险、搭建风险控制机制等层面提出了H商业银行山西省分行小微企业信贷业务风险管理的对策。最后,论文提出了H商业银行山西省分行小微企业信贷业务风险防范的保障措施,提出了设立小微企业信贷管理的专营机构,充实小微企业信贷风险管理的人才队伍建设,营造成熟的小微企业信贷风险管理文化。研究H商业银行山西省分行小微企业信贷业务风险管理现状及策略选择,不仅对H商业银行的小微企业信贷业务发展具有理论和现实意义,对促进我国商业银行对小微企业贷款风险管理也有重要的现实意义。
[Abstract]:In recent years, the macro economy of our country has entered a downward cycle of the economy, the production and financing costs of small and micro enterprises have been rising, the survival pressure has increased, the operating situation has deteriorated, the risk of debt default has risen, and the bad rate of loans of commercial banks has rebounded.So that commercial banks to develop small and micro-business enthusiasm has been hit.However, government regulators and banking regulators are still demanding that commercial banks increase their support for small and micro-enterprises.How to strengthen the risk management, control the non-performing loans of the small and micro enterprises within a relatively reasonable range and realize the sustainable development of the small and micro enterprises in the downward cycle of the macro economy have become the urgent problems for each commercial bank to solve.Firstly, the paper expounds the types of commercial bank credit risk, the methods of commercial bank credit risk management and the content of commercial bank credit risk management.Secondly, it analyzes the present situation and problems of credit risk management of small and micro enterprises in H Commercial Bank of Shanxi Province.This paper analyzes the framework and process of credit risk management in small and micro enterprises of H commercial bank and the problems existing in risk management.Thirdly, the paper puts forward the countermeasures of credit risk management of small and micro enterprises in H Commercial Bank of Shanxi Province.In order to improve the level of risk identification, innovate the way of risk measurement, refine the risk monitoring mechanism, and use the "Internet" to help commercial banks control risks,This paper puts forward the countermeasures of risk management of small and micro enterprises in Shanxi Branch of H Commercial Bank.Finally, the paper puts forward the safeguard measures to prevent the credit risk of small and micro enterprises in Shanxi branch of H Commercial Bank, and puts forward the establishment of a specialized organization for credit management of small and micro enterprises, and enriches the construction of talents in credit risk management of small and micro enterprises.To create a mature small and micro-enterprise credit risk management culture.The research on the risk management of small and micro enterprises in Shanxi Branch of H Commercial Bank is not only of theoretical and practical significance to the development of small and micro enterprise credit business in H Commercial Bank, but also to the development of small and micro enterprise credit business in H Commercial Bank.It is also of practical significance to promote the loan risk management of small and micro enterprises in China's commercial banks.
【学位授予单位】：兰州交通大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.4;F276.3

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