中国银行S支行中小企业贷款风险管理研究

发布时间：2018-05-12 06:46

本文选题：银行 + 中小企业　；参考：《大连理工大学》2014年硕士论文

【摘要】：中小企业作为重要的经济活动主体,一直是我国经济发展的重要推动力,对经济发展起着至关重要的作用。中小企业不但在税收、就业方面有着突出贡献,受经济全球化的促进,部分中小企业经营管理能力增强,技术创新能力突出,受到国家越来越多的重视。但融资难一直是制约中小企业发展的重要因素之一,目前银行贷款成为中小企业主要的融资方式,如何控制中小企业贷款风险,对商业银行来说意义重大。本文对中小企业贷款风险进行分析,结合作者多年在中国银行S支行的工作经验指出目前S支行中小企业贷款业务的主要风险,并深入探讨风险的形成原因。最后,为改善S支行中小企业贷款风险管理现状提出一些建设性意见,促进支行中小企业贷款业务健康、快速发展。本文主要分为三部分,第一部分是介绍选题背景及研究意义,以及目前国内外对该课题的研究现状；第二部分介绍中小企业贷款的相关概念,并深入剖析中小企业贷款风险的类型及风险控制方法；第三部分是通过分析和研究S支行中小企业业务现状,分析其在中小企业贷款风险管理工作中存在的问题。针对内部组织结构和信贷管理体制相对落后现象,提出了完善银行内部组织结构的具体解决方案,包括成立中小企业业务中心、组建专业化队伍以及推广信贷工厂模式,从而提高贷后突发事件处理效率,稳定团队人员配备,从而使银行内部组织结构更加完善；针对中小企业贷款风险控制机制不完善现象,提出了完善贷前风险调查和贷后管理体系建设的方案,将风险控制贯穿贷款始终；针对过度依赖传统资金管理模式及担保方式问题,针对不同类型的企业提出了个性化担保方式及贷后管理模式解决方案。
[Abstract]:As the main body of economic activities, small and medium-sized enterprises (SMEs) have been an important driving force for the economic development of our country and play a vital role in economic development. Small and medium-sized enterprises not only have outstanding contributions in tax revenue and employment, but also have been paid more and more attention to by the country because of the promotion of economic globalization, the enhancement of the management and management ability of some small and medium-sized enterprises, and the outstanding ability of technological innovation. However, the difficulty of financing has always been one of the important factors restricting the development of small and medium-sized enterprises. At present, bank loans have become the main financing method for SMEs. How to control the loan risk of small and medium-sized enterprises is of great significance to commercial banks. This paper analyzes the loan risk of small and medium-sized enterprises, points out the main risks of the loan business of small and medium-sized enterprises in S branch of Bank of China for many years, and probes into the reasons for the formation of the risk. Finally, some constructive suggestions are put forward to improve the loan risk management status of small and medium-sized enterprises in S Sub-branch, and to promote the healthy and rapid development of loan business of small and medium-sized enterprises. This paper is divided into three parts, the first part is to introduce the background and research significance of the topic, and the current domestic and foreign research on the subject; the second part introduces the related concepts of SME loans. The third part is to analyze and study the business situation of S branch small and medium-sized enterprises, and analyze the existing problems in the management of loan risk of small and medium-sized enterprises. In view of the relative backwardness of internal organizational structure and credit management system, this paper puts forward concrete solutions to improve the internal organizational structure of banks, including setting up a business center for small and medium-sized enterprises, forming a specialized team and promoting the mode of credit factory. In order to improve the efficiency of post-loan emergencies, stabilize the staffing of the team, make the internal organizational structure of the bank more perfect; in view of the SMEs loan risk control mechanism is not perfect, This paper puts forward the scheme of perfecting the pre-loan risk investigation and the construction of the post-loan management system, which runs through the loan and overdependence on the traditional fund management mode and the guarantee mode. For different types of enterprises, the solution of individualized guarantee mode and post-loan management mode is put forward.
【学位授予单位】：大连理工大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F276.3;F832.4

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