华夏银行昆明分行中小企业信贷风险管理研究

发布时间：2018-04-29 13:17

本文选题：华夏银行 + 中小企业　；参考：《云南大学》2014年硕士论文

【摘要】：中小企业贷款问题是一个热门话题,各大媒体特别是中央2台曾经单独开设一个主题节目在探讨贷款难问题,政府和各金融机构都在寻找中小企业贷款存在的问题和原因,政府也出台了很多政策试图解决这一问题,但成效都不太理想。中小企业在我国越来越发达的市场经济主体中已占有一席之地。为了让中小企业经受住了市场经济的洗礼,商业融资无疑是中小企业最有效的途径,可以解决资金问题。然而,由于中小企业存在许多问题,如,银行为了规避风险,中小企业的信贷需求慎重考虑。但是不得不承认,银行想要发展,对中小企业放贷又是必须的。这样就造成银行在对中小企业放贷和风险之间的权衡,既要从放贷中获取银行的利益,又要保证放出去的资金能及时完整地收回,这就要求银行本身创造了一个完善的中小企业信用风险管理系统,保证双方的利益得到保证,从而实现“双赢的商业银行”。作者在华夏银行昆明分行工作三余年,目睹了中小企业发展过程中受资金制约的焦急状况,银行想放贷但又怕贷款发放风险过大的矛盾情况,本文在分析研究过程中,主要采取了比较分析和案例分析这两种方法。比较分析法用来比较国内和国外的银行对中小企业信贷风险管理的不同；案例分析法用来理论联系实际具体分析华夏银行昆明分行中小企业贷款中的风险管理措施。为了更好地研究商业银行对中小企业的信贷风险管理问题,本文以华夏银行昆明分行作为案例,通过论述华夏银行中小企业信贷业务的开展情况与中小企业信贷业务中存在的风险问题,来分析信贷业务的风险成因,并针对风险管理问题提出了相应的对策。
[Abstract]:The issue of loans for small and medium-sized enterprises is a hot topic. The major media, especially the Central Radio 2, once set up a separate thematic program to discuss the difficulty of loans. The government and financial institutions are looking for the problems and reasons for the loans of small and medium-sized enterprises. The government has also introduced a number of policies to address this problem, but the results are not very good. Small and medium-sized enterprises in our country more and more developed market economy main body has occupied a place. In order for SMEs to withstand the baptism of market economy, commercial financing is undoubtedly the most effective way for SMEs to solve the problem of capital. However, there are many problems for SMEs, for example, banks consider the credit demand of SMEs carefully in order to avoid risks. But must admit, the bank wants to develop, the loan to the small and medium-sized enterprise is also necessary. This has created a trade-off between lending to small and medium-sized enterprises and risks, both to obtain bank benefits from lending and to ensure that the funds released can be recovered in a timely and complete manner. This requires the bank itself to create a perfect credit risk management system for small and medium-sized enterprises, to ensure that the interests of both sides are guaranteed, so as to achieve a "win-win commercial bank". The author has been working in Kunming Branch of Huaxia Bank for more than three years, and has witnessed the anxious situation of capital restriction in the development of small and medium-sized enterprises, and the contradiction that banks want to lend but are afraid of the risk of loan issuance. This paper mainly adopts two methods: comparative analysis and case analysis. The comparative analysis method is used to compare the differences between domestic and foreign banks in credit risk management of SMEs, and the case analysis method is used to analyze the risk management measures in the loan of small and medium-sized enterprises in Kunming Branch of Huaxia Bank. In order to better study the credit risk management of commercial banks to small and medium-sized enterprises, this paper takes Kunming Branch of Huaxia Bank as a case study. This paper analyzes the causes of the risks in the credit business of the small and medium-sized enterprises of Huaxia Bank through discussing the development of the credit business of the small and medium-sized enterprises of Huaxia Bank and the risk problems existing in the credit business of small and medium-sized enterprises, and puts forward the corresponding countermeasures for the risk management problems.
【学位授予单位】：云南大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.4;F276.3

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