M银行小微企业信贷风险管理研究

发布时间：2018-06-14 15:18

本文选题：M银行 + 小微企业贷款　；参考：《青岛大学》2017年硕士论文

【摘要】：在我们国内,小微企业功绩卓著,为我国市场经济的繁荣昌盛、财政收入的提升、就业率的提高等诸多方面提供了很大助力。我国政府在世界金融危机爆发后先后颁布了多种有利于小微企业发展的政策法规,旨在最大限度的解决小微企业的融资难题。对于小微型企业来说从银行贷款是最主要的融资手段,所以,有必要对其深度挖掘,以此找出银行接下来的发展重点,了解与分析未来的发展趋势。故而,就实际情况来说,信贷风险已是所有商业银行发展所面临的重要问题,也是商业银行维持稳健运营与发展的重点内容。面对当下的这种持续下行的经济走向,全面开展关于小微企业信贷风险的管理研究,不仅有利于M银行资产质量的持续提升,也能够促使其持续维持稳健且高速增长的步伐,尤其是对于M银行的再次腾飞目标的实现有深远的意义。本文主要由基本风险理论着手,阐述了了小微企业的界定、信贷风险的定义、商业银行信贷风险的概念和种类、商业银行风险管理的阶段和目标;阐述了M银行小微信贷风险管理的现状;对M银行当前在小微企业信贷管理方面的内部问题和原因进行了重点分析,可见小微企业不仅能够推动M银行的业务发展,也会引发一些经营风险影响M银行的收益;虽然M银行已使用过多种应对举措,但管理漏洞和内部风险控制并没有完全解决。通过以上分析,最后有针对性的提出了严格对小微客户贷款的审查、重视贷后团队打造、将小微金融服务创新升级等能够有效解决上述问题的对策建议。
[Abstract]:In our country, small and micro enterprises have made great contributions to the prosperity of our market economy, the increase of financial income, the increase of employment rate and so on. After the outbreak of the world financial crisis, our government has promulgated a variety of policies and regulations conducive to the development of small and micro enterprises, in order to solve the financing problems of small and micro enterprises as far as possible. For small and micro enterprises, bank loan is the most important means of financing, so it is necessary to dig its depth, so as to find out the future development focus of the bank, and to understand and analyze the future development trend. Therefore, as far as the actual situation is concerned, credit risk is an important problem for the development of all commercial banks, and it is also the key content for the commercial banks to maintain their steady operation and development. In the face of the current downward trend of the economy, it is not only conducive to the continuous improvement of the asset quality of M Bank, but also can promote its steady and high growth pace to carry out a comprehensive study on the credit risk management of small and micro enterprises. Especially for M Bank to achieve the goal of re-take-off has far-reaching significance. This article mainly from the basic risk theory, elaborated the small and micro enterprise definition, the credit risk definition, the commercial bank credit risk concept and the kind, the commercial bank risk management stage and the goal; This paper expounds the present situation of micro-credit risk management in M Bank, analyzes the internal problems and reasons of M Bank in credit management of small and micro enterprises, and shows that small and micro enterprises can not only promote the business development of M bank. There will also be some operational risks that affect M Bank's earnings; while M has used a variety of responses, management loopholes and internal risk controls have not been fully addressed. Through the above analysis, the paper puts forward some countermeasures and suggestions to solve the above problems, such as strict examination of small and micro customer loans, paying attention to the team building after loans, and upgrading the innovation and upgrading of small and micro financial services.
【学位授予单位】：青岛大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.4;F276.3

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