BH城市商业银行小微企业信贷业务风险评估研究

发布时间：2018-05-29 06:37

本文选题：小微企业信贷业务 + 风险评估　；参考：《西安理工大学》2017年硕士论文

【摘要】：近年来,随着国内小微企业数量持续增加,商业银行小微企业信贷业务规模明显扩大,导致小微企业信贷业务风险持续累积,这对商业银行的风险评估提出更高要求。本文研究以BH城市商业银行为研究对象,从小微企业信贷业务风险评估角度出发,采用案例分析、层次分析等方法,具体研究了小微企业信贷业务风险评估有关问题。研究认为,当前BH城市商业银行已经构建了相应的小微企业信贷业务风险评估组织架构,形成了相应的风险评估制度、流程与方法,从而实现了对小微企业信贷业务风险的评估。然而,进一步分析发现,BH城市商业银行当前的小微企业信贷业务风险评估体系尽管取得了一定的成效,但是其依然存在不少问题,主要体现为:一是组织架构不合理,不能适应小微企业信贷业务风险评估的需要;二是小微企业信贷业务风险评估制度不够健全,且对小微企业信贷业务的操作性有限;三是小微企业信贷业务风险评估流程效率不高,部分流程设计较为冗繁;四是小微企业信贷业务风险评估方法存在较大的主观性,不利于获得较为客观的评估结论。针对存在问题,本文研究指出BH城市商业银行应从以下几个方面采取相关解决对策:一是优化信贷业务风险评估组织架构,并明确各个相关职能部门的职责;二是完善小微企业信贷业务的风险评估制度,并确保相关制度在实际管理中能够切实执行到位;三是提高小微企业信贷业务风险评估流程的效率,规范相关风险评估流程;四是构建科学的小微企业信贷业务风险评估方法体系,结合层次分析法,合理地设置各个指标的权重,以更好地评估各笔小微企业信贷业务的风险。为了确保BH城市商业银行小微企业信贷业务风险评估改进方案能够实施,本研究还提出了相关保障措施,包括构建重视风险管理的企业文化、提供坚强的人力资源保障、加大信贷业务风险评估体系的资金投入、引进或创新相关小微企业信贷业务风险评估方法或手段、持续完善BH城市商业银行的内部控制体系等。本文研究对提高国内城市商业银行小微企业信贷业务风险评估水平具有现实参考意义。
[Abstract]:In recent years, with the continuous increase of the number of small and micro enterprises in China, the scale of credit business of small and micro enterprises of commercial banks is obviously expanded, which leads to the continuous accumulation of credit business risks of small and micro enterprises, which puts forward higher requirements for the risk assessment of commercial banks. In this paper, taking BH City Commercial Bank as the research object, from the point of view of credit risk assessment of small and micro enterprises, using the methods of case analysis and analytic hierarchy process, this paper studies the problems related to the risk assessment of credit business of small and micro enterprises. The study shows that the BH City Commercial Bank has already constructed the corresponding organization structure of credit risk assessment for small and micro enterprises, and has formed the corresponding risk assessment system, process and method. Thus realized the small and micro enterprise credit business risk assessment. However, after further analysis, it is found that although the current credit risk assessment system for small and micro enterprises of BBH City Commercial Bank has achieved certain results, it still has many problems, which are mainly reflected in the following aspects: first, the organizational structure is unreasonable, Second, the credit risk assessment system of small and micro enterprises is not perfect, and the operation of small and micro enterprises credit business is limited; Third, the risk assessment process of small and micro enterprise credit business is not efficient, part of the process design is more redundant; fourth, the risk assessment method of small and micro enterprise credit business is more subjective, which is not conducive to obtaining more objective evaluation conclusions. In view of the existing problems, this paper points out that BH City Commercial Bank should take relevant countermeasures from the following aspects: first, optimize the organizational structure of credit risk assessment and clarify the responsibilities of each relevant functional department; The second is to perfect the risk assessment system of the small and micro enterprise credit business, and to ensure that the relevant system can be implemented in practice, third, to improve the efficiency of the risk assessment process of the small and micro enterprise credit business, and to standardize the related risk assessment process. The fourth is to construct a scientific method system of credit risk assessment for small and micro enterprises, combining with the Analytic hierarchy process (AHP), to set up the weights of each index reasonably, so as to better evaluate the risks of each small and micro enterprise credit business. In order to ensure the implementation of the improved scheme of credit risk assessment for small and micro enterprises of BH City Commercial Bank, this study also puts forward relevant safeguard measures, including building a corporate culture that attaches importance to risk management, and providing strong human resources protection. Increasing the capital input of the credit risk assessment system, introducing or innovating the credit risk assessment methods or means of related small and micro enterprises, and continuously perfecting the internal control system of BH city commercial bank, etc. The research in this paper is of practical significance to improve the credit risk assessment level of small and micro enterprises in domestic city commercial banks.
【学位授予单位】：西安理工大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.4;F276.3

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