X银行的中小企业信贷风险管理研究

发布时间：2018-05-11 14:31

本文选题：商业银行 + 中小企业信贷风险　；参考：《安徽工业大学》2017年硕士论文

【摘要】：当前商业银行信贷业务发展竞争压力加大,贷款带来的利差是各家银行争相扩展的利润收入来源。小企业具有经营方式灵活但财务框架松散不规范、信贷资金需求大但资金流动性强、适应市场流动性变化但抵挡市场风险能力不足等特点。随着市场经济面临下行压力,各家商业银行的不良贷款率逼近“红线”,不良贷款余额、不良率和逾期率均明显上升。一方面是中小企业为维系自身发展的资金需求,另一方面是银行贷款不良率不断攀升带来的信贷额度的收缩。从商业银行自身来说,只有从信贷流程的最初准入到贷后管理都积极树立风险防控意识,才能够压降贷款的不良率,提高信贷资产质量,实现银行信贷业务的良性发展。本文以X银行中的两家小企业贷款,行业类别类似,同属存量客户,但是却出现了一家贷款形态正常,一家出现逾期的情况作为案例进行对比分析。从X银行中小企业信贷业务的基本概况、准入标准、管理特点的基本概况入手;通过具体的两例小企业案例,从准入、审核到贷后管理进行全流程分析。采用资格审查、实地调查两种调查方式了解信贷企业的基本概况,通过定性财务指标分析和定量财务指标分析了解信贷企业的财务运行状况。通过对信贷企业的信贷资金用途和日常运营风险监控了解贷后管理的侧重点。根据案例中发现的问题,提出准入流程分工细化,产品定价科学;信贷审查公开,团队建设科学,严控抵质押物风险;设定红线预警,动态监控财务变动;团队协作明确责任,拓展还款渠道的优化方案。希望能对商业银行中小企业信贷业务全流程给予优化。让小企业贷款渠道更加通畅,让银行放款流程更加合规、贷后监管更加规范。
[Abstract]:At present, the competitive pressure of credit business in commercial banks is increasing, and the profit margin brought by the loan is a source of profit income for each bank. The small business has a flexible management mode but a loose and unstandardized financial framework, a large demand for credit funds but a strong liquidity, which adapts to the dynamic change of the market flow but prevents the lack of market risk ability and so on. With the downward pressure on the market economy, the non-performing loan rate of all commercial banks is approaching the "red line", the balance of non-performing loans, the bad rate and the overdue rate have increased obviously. On the one hand, the small and medium-sized enterprises have the funds to maintain their own development, on the other hand, the credit line has contracted by the rising bank loan bad rate. Only from the initial access of the credit process to the post loan management, the industry bank has actively set up the risk prevention and control consciousness, which can reduce the bad rate of the loan, improve the quality of the credit assets and realize the benign development of the bank credit business. This article is based on the loan of two small enterprises in the X bank, similar to the industry category, but the same belongs to the stock customer. There is a normal form of loans, a case of overdue as a case for comparative analysis. From the basic situation of the credit business of X bank, the basic situation of the access standards and the basic management characteristics; through the specific two cases of small enterprises, the whole process analysis is carried out from access, audit to post loan management. Qualification examination is adopted. The two survey methods of field investigation understand the basic situation of credit enterprises, through qualitative financial index analysis and quantitative financial index analysis to understand the financial operation status of credit enterprises. Through the use of credit funds and daily operation risk monitoring of credit enterprises to understand the focus of post loan management. Access process division, product pricing science, credit review open, the team building science, strict control of the risk of collateral, set the red line early warning, the dynamic monitoring of financial changes; team cooperation clear responsibility, expand the optimization of the repayment channel. Hope to optimize the whole process of small business credit business in commercial banks. Let small business loans. More smooth channels, so that the bank lending process more compliance, loan regulation is more standardized.

【学位授予单位】：安徽工业大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.4;F275

【参考文献】