青岛建行中小企业经营周转类贷款质押跟踪系统的研究

发布时间：2018-05-17 11:54

本文选题：经营贷款 + 银行　；参考：《中国海洋大学》2014年硕士论文

【摘要】：国内外经济发展的经验表明，在经济发展中数量众多的中小企业发挥着非常重要的作用。建行青岛市分行最先发力中小企业，在短暂的四年里，非贴现贷款余额增长了近6倍、突破了120亿元。但是随着业务的拓展，建行青岛市分行中小企业融资业务的增长速度正在逐渐放缓，并且中小企业信贷风险案件不断爆发，中小企业信贷资产不良率逐渐升高，中小企业贷后管理难度加大。本文从建行青岛市分行中小企业信贷业务的概况、现行中小企业的融资现状、最新信贷流程、风险控制流程等方面介绍了建行青岛市分行的中小企业信贷业务发展现状。本文选取青岛建行A支行服务的中小企业作为研究对象，在初步调查了解青岛建行的中小企业信贷资产质量状况下，通过对A支行选取的有信贷业务的中小企业的样本数据分析，归纳整理中小企业经营贷款不良率较高的原因，结合国内外关于银行风险管理的相关理论知识，，研究中小企业经营贷款不良率高的成因，在现有信贷风控制度的基础上提出建立中小企业经营贷款质押跟踪系统的对策建议。
[Abstract]:The experience of economic development at home and abroad shows that a large number of small and medium-sized enterprises play a very important role in economic development. China Construction Bank Qingdao Branch was the first to launch small and medium-sized enterprises. In a short period of four years, the balance of non-discounted loans increased nearly sixfold, exceeding 12 billion yuan. However, with the expansion of business, the growth rate of SME financing business in Qingdao Branch of CCB is gradually slowing down, and the SME credit risk cases continue to erupt, and the credit assets of SMEs are gradually rising. Small and medium-sized enterprises after loan management difficulty. This paper introduces the development status of credit business of small and medium-sized enterprises in Qingdao Branch of China Construction Bank from the following aspects: the general situation of SME credit business, the current financing situation of SMEs, the latest credit process, the risk control process, and so on. In this paper, the small and medium-sized enterprises served by Qingdao Construction Bank A Branch are selected as the research objects, and the credit asset quality of the small and medium-sized enterprises of Qingdao Construction Bank is preliminarily investigated. By analyzing the sample data of small and medium-sized enterprises with credit business selected by Sub-branch A, the paper summarizes the reasons for the high loan failure rate of small and medium-sized enterprises, and combines the relevant theoretical knowledge of bank risk management at home and abroad. This paper studies the causes of the high operating loan failure rate of SMEs, and puts forward some countermeasures and suggestions for establishing a tracking system of loan pledge for SMEs on the basis of the existing credit style control degree.
【学位授予单位】：中国海洋大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.4;F276.3

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