基于德国IPC技术的宁夏银行小微企业信贷管理研究

发布时间：2018-06-21 18:41

本文选题：宁夏银行 + 小微企业　；参考：《宁夏大学》2017年硕士论文

【摘要】：随着经济的发展,我国小微企业的持续成长也逐渐凸现出来。为了提高商业银行在日益激烈的市场竞争中的竞争力,就必须寻求竞争优势,抢占市场份额,加大小微企业信贷业务的力度。与国有商业银行及大型股份制商业银行相比,宁夏银行作为一家地方性商业银行,资金实力和抗风险能力都相对较弱,服务对象主要是本地小微企业。因此,研究一套适合小微企业的信贷管理模式是宁夏银行强化自身核心竞争力的重要途径,也能够为地方经济发展贡献自己应有的力量。本文以宁夏银行为例,以宁夏银行小微企业信贷管理体系和管理状况分析为基础,对宁夏银行基于IPC微贷技术的信贷管理的优势和存在的问题进行了分析,研究发现基于IPC技术信贷管理存在的问题主要是:IPC技术普遍推广受到成本制约,贷后管理工作流于形式,重贷轻管等。针对发现的问题,结合宁夏银行的实际状况,提出宁夏银行小微企业信贷管理优化具有指导性和实际操作性的对策和建议,包括重视风险的前置管理,提前预防,整体把控,提升借款企业的违约成本,完善贷后管理制度,加强贷款风险预测管理,完善内部风险管理文化建设等方面,期望通过这些管理措施的实施能够进一步优化宁夏银行小微企业信贷管理。
[Abstract]:With the development of economy, the continuous growth of small and micro enterprises in China has gradually emerged. In order to improve the competitiveness of commercial banks in the increasingly fierce market competition, it is necessary to seek competitive advantage, seize market share, and strengthen the credit business of small and small enterprises. Compared with state-owned commercial banks and large joint-stock commercial banks, Ningxia As a local commercial bank, the financial strength and the anti risk ability of the bank are relatively weak, and the service object is mainly local small and micro enterprises. Therefore, it is an important way to study a set of credit management model suitable for small and micro enterprises to strengthen the core competitiveness of Ningxia bank, and to contribute its own strength to the development of local economy. Taking the Bank of Ningxia as an example, based on the analysis of the credit management system and management status of the small and micro enterprises in Ningxia bank, this paper analyzes the advantages and existing problems of the credit management based on the IPC micro loan technology in the Bank of Ningxia, and finds that the main problems of the credit management based on the IPC technology are that the universal extension of the IPC technology is subject to the cost system. According to the actual situation of Ningxia bank, the paper puts forward the countermeasures and suggestions for the optimization of the credit management of the small and micro enterprises of Ningxia bank, including the pre management of the risk, the advance prevention, the overall control, and the promotion of the default of the borrowing enterprises. This is to improve the post loan management system, strengthen the loan risk prediction management, improve the internal risk management culture construction, and hope that through the implementation of these management measures, the credit management of small and micro enterprises in Ningxia bank can be further optimized.
【学位授予单位】：宁夏大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.4;F275

【参考文献】