上海银行苏州分行小微企业贷款风险控制研究

发布时间：2018-04-22 08:40

本文选题：上海银行 + 信贷　；参考：《吉林大学》2017年硕士论文

【摘要】：目前在我国,小微企业量大面广,具有成长性高、后劲足的特点,有着无限的发展前景,已经成为财政收入的重要组成部分,是国民经济的重要力量,同时小微企业的快速发展还能带动就业率的提高,在社会发展中扮演着举足轻重的角色。但是,受限于自身的规模,小微企业的发展与成长相比于大中型企业,更为曲折。银行融资作为小微企业日常经营活动中的重要融资渠道,在小微企业的成长过程中,扮演着助推器的角色。但是随着业务与客户的激增,加上外部环境的影响,包括上海银行苏州分行在内的各家商业银行,小微企业贷款业务都出现了不同程度的风险特征。在大力发展小微企业信贷业务的同时,如何有效的控制信贷风险就变得尤为重要。本文旨在通过研究,为完善上海银行苏州分行小微企业信贷业务风险控制策略体系提供意见,有效提升上海银行苏州分行小微企业信贷业务的质量。这将在很大程度上缓解小微企业贷款难的局面,进而可以促进小微企业的快速发展,而小微企业的快速发展必将会带动商业银行小微企业信贷业务的发展,两者之间存在着相辅相成、互相促进的关系,有效促进商业银行小微企业信贷业务的健康的可持续发展。首先本文阐述了相关研究背景以及论文的研究意义,将上海银行苏州分行作为个体案例,将其小微企业信贷业务的风险控制问题作为本文的研究内容,采用了文献分析法和案例分析法对其进行了深入的研究分析。参考了国内外众多专家学者先进的研究成果,并从中了解到小微企业资金需求大、融资难的困境,以及在银行与企业之间信息不对称的情况下,如何降低小微企业信贷业务风险,并将其作为本论文的理论依据。其次本文对小微企业信贷业务的总体现状进行了概括、分析,发现上海银行苏州分行的小微企业信贷业务呈上升趋势,贷款占比也逐年增加。小微企业信贷业务在未来必然是银行信贷业务中重要的组成部分,但就目前而言,还未形成规模,大中型企业信贷仍占据主导地位。接下来又从贷前、贷中、贷后三个方面分析了上海银行苏州分行小微企业信贷风险管理的现状,通过对以上现状的深入分析,提出上海银行苏州分行在小微企业信贷风险控制方面存在的问题和不足。最后从外部整体环境和银行内部情况为出发点,具体分析了上海银行苏州分行小微企业信贷风险控制存在问题的原因。经济下行的态势给小微企业的经营带来巨大的困难,加上小微企业自身经营管理中存在的诸多风险因素,以及银行内部控制制度的不完善等种种原因,造成了小微企业信贷风险控制薄弱的局面。通过对上海银行苏州分行小微企业信贷业务风险控制存在问题的原因分析后,有针对性的从银行自身出发,提出有助于提升银行风险控制的对策和方法。
[Abstract]:At present, in China, small and micro enterprises have the characteristics of large volume, high growth, full of stamina, unlimited development prospects, and have become an important part of financial revenue and an important force in the national economy. At the same time, the rapid development of small and micro enterprises can also promote the increase of employment rate, which plays an important role in the social development. However, limited by their own size, the development and growth of small and micro enterprises compared with large and medium enterprises, more zigzag. Bank financing, as an important financing channel in the daily operation of small and micro enterprises, plays the role of booster in the growth process of small and micro enterprises. However, with the rapid growth of business and customers and the influence of external environment, various commercial banks, including Shanghai Bank Suzhou Branch, and small and micro enterprise lending business have all appeared different degree of risk characteristics. At the same time, how to effectively control credit risk becomes more and more important. The purpose of this paper is to provide advice to improve the risk control system of small and micro enterprises in Suzhou Branch of Bank of Shanghai, and to effectively improve the quality of credit business of small and micro enterprises in Suzhou Branch of Shanghai Bank. This will to a large extent alleviate the difficult situation of lending to small and micro enterprises, thereby promoting the rapid development of small and micro enterprises, and the rapid development of small and micro enterprises will certainly lead to the development of small and micro enterprises' credit business in commercial banks. There is a mutually reinforcing and mutually reinforcing relationship between the two, which can effectively promote the healthy and sustainable development of the credit business of small and micro enterprises in commercial banks. First of all, this paper describes the relevant research background and the significance of the paper, taking the Suzhou Branch of Shanghai Bank as an individual case, and taking the risk control problem of its small and micro enterprise credit business as the research content of this paper. Literature analysis method and case analysis method are used to study and analyze it deeply. Referring to the advanced research results of many experts and scholars at home and abroad, and finding out the dilemma of small and micro enterprises with large capital demand and difficult financing, and in the case of information asymmetry between banks and enterprises, How to reduce the risk of small and micro-enterprise credit business, and take it as the theoretical basis of this paper. Secondly, this paper summarizes the overall situation of the small and micro enterprise credit business, and finds that the small and micro enterprise credit business of Shanghai Bank Suzhou Branch is on the rise, and the proportion of loans is increasing year by year. The small and micro enterprise credit business will be an important part of the bank credit business in the future, but at present, it has not yet formed the scale, the large and medium-sized enterprise credit still occupies the dominant position. Then it analyzes the current situation of credit risk management of small and micro enterprises in Suzhou Branch of Shanghai Bank of China from three aspects: before, during and after the loan, and through the in-depth analysis of the above situation, The problems and shortcomings in credit risk control of small and micro enterprises in Suzhou Branch of Shanghai Bank are put forward. Finally, from the external environment and the internal situation of the bank as a starting point, the paper analyzes the causes of the credit risk control problems in the small and micro enterprises of Shanghai Bank of Suzhou Branch. The downward trend of the economy has brought enormous difficulties to the operation of small and micro enterprises, plus many risk factors in the management of small and micro enterprises themselves, as well as the imperfections of the internal control system of banks, and so on. Created a small and micro-enterprise credit risk control weak situation. Based on the analysis of the causes of the problems in the credit risk control of the small and micro enterprises in Suzhou Branch of Shanghai Bank of China, this paper puts forward the countermeasures and methods to promote the risk control of the banks.
【学位授予单位】：吉林大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.4;F275

【相似文献】