中小企业贷款业务风险管理研究
发布时间：2018-07-17 21:37
【摘要】：中小企业在我国经济结构中、产品创新和就业等方面都有着不可估量的作用。然而，在实际的发展中，由于金融机构为中小企业所作出的种种限制，使得中小企业自身融资难问题非常突出。对中小企业贷款业务风险进行研究，目的在于通过对白山八道江支行的贷款业务风险管理问题的分析，提出解决我国建行中小企业贷款风险管理实际问题的对策。由于我国中小企业作为我国企业的一个主要的组成部分，它的发展对我国经济有着不可磨灭的贡献。作为基层银行，应该如何为中小企业进行贷款业务服务，才能够在满足中小企业资金需要的基础上，使得自身的贷款业务也维持在可控的风险范围内，避免贷款业务风险过高而给基层银行带来不可估量的损失。将贷款业务维持在银行可控的风险预期内，又能加大对中小企业的支持力度，对于建行白山八道江支行来说，由于中小企业贷款面临着较大的风险，八道江支行所积累的贷款业务风险管理能力并不强，需要根据其实际的贷款业务风险管理得出相应的经验，将其上升为理论层面的东西，为基层银行的贷款业务风险管理提供相应的指导。同时，作为一个基本的样本，八道江支行的中小企业贷款业务风险管理，，其存在的问题，可以作为其他基层银行中小企业贷款业务管理的主要借鉴，帮助更多具有同类问题的基层银行解决其实际问题。 本研究主体共分五个部分。第一部分分析研究的背景及意义，对国内外关于中小企业贷款风险管理方面的发展进行总结，回答为什么要研究该课题。第二部分商业银行贷款风险管理理论，围绕着商业银行贷款风险与贷款风险管理、贷款风险预警管理搭建起本课题的理论结构体系。第三部分吉林省建行白山八道江支行中小企业贷款风险预警管理现状，介绍该支行的发展情况和中小企业贷款业务的开展情况，揭示该支行中小企业贷款风险管理存在的问题及原因。第四部分针对上述分析的中小企业贷款风险的管理问题，提出构建完善的中小企业信用评级体系、构建有效的中小企业贷款风险预警系统、改善中小企业贷款的担保环境等对策。最后为结论，主要对研究进行总结，分析研究的适用性和不足之处。
[Abstract]:Small and medium-sized enterprises play an inestimable role in the economic structure of our country, such as product innovation and employment. However, in the actual development, due to the financial institutions for small and medium-sized enterprises made a variety of restrictions, making SMEs own financing difficulties are very prominent. The purpose of this paper is to analyze the risk management of loan business in Baishan Badaojiang Branch, and to put forward some countermeasures to solve the practical problem of loan risk management in small and medium-sized enterprises of China Construction Bank. As a main component of Chinese enterprises, the development of SMEs has made an indelible contribution to our economy. As a grass-roots bank, how should we provide loan services for small and medium-sized enterprises in order to meet the capital needs of small and medium-sized enterprises and keep their lending business within a controllable risk range? Avoid loan business risk is too high and bring incalculable loss to the basic bank. Keeping the loan business within the expectation of a bank's controllable risk can also increase support for small and medium-sized enterprises. For the Baishan Badaojiang Branch of China Construction Bank, the loans for SMEs are facing greater risks. The Badaojiang Branch has not accumulated strong ability to manage the risk of loan business, so it is necessary to get corresponding experience according to its actual loan business risk management, and to raise it to a theoretical level. To provide the corresponding guidance for the loan business risk management of the grass-roots bank. At the same time, as a basic sample, the risk management of the SME loan business in the Badaojiang Branch can be used as a major reference for other grass-roots banks in the management of SME loan business. To help more grassroots banks with similar problems to solve their practical problems. The main body of this study is divided into five parts. The first part analyzes the background and significance of the research, summarizes the development of SMEs loan risk management at home and abroad, and answers why to study the subject. The second part of the commercial bank loan risk management theory, around the commercial bank loan risk and loan risk management, loan risk early warning management set up the theoretical structure of the subject. The third part introduces the current situation of the early-warning management of loan risk of small and medium-sized enterprises in Baishan Badaojiang Branch of Jilin Province, and introduces the development of the branch and the development of loan business of small and medium-sized enterprises. This paper reveals the problems and causes of loan risk management in this branch. In the fourth part, according to the above analysis of SMEs loan risk management problems, proposed to build a sound credit rating system for SMEs, build an effective SME loan risk early warning system, Improve the loan guarantee environment of small and medium-sized enterprises and other countermeasures. Finally, the conclusion is summarized, and the applicability and deficiency of the study are analyzed.
【学位授予单位】：吉林大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.4;F276.3
本文编号：2131012
[Abstract]:Small and medium-sized enterprises play an inestimable role in the economic structure of our country, such as product innovation and employment. However, in the actual development, due to the financial institutions for small and medium-sized enterprises made a variety of restrictions, making SMEs own financing difficulties are very prominent. The purpose of this paper is to analyze the risk management of loan business in Baishan Badaojiang Branch, and to put forward some countermeasures to solve the practical problem of loan risk management in small and medium-sized enterprises of China Construction Bank. As a main component of Chinese enterprises, the development of SMEs has made an indelible contribution to our economy. As a grass-roots bank, how should we provide loan services for small and medium-sized enterprises in order to meet the capital needs of small and medium-sized enterprises and keep their lending business within a controllable risk range? Avoid loan business risk is too high and bring incalculable loss to the basic bank. Keeping the loan business within the expectation of a bank's controllable risk can also increase support for small and medium-sized enterprises. For the Baishan Badaojiang Branch of China Construction Bank, the loans for SMEs are facing greater risks. The Badaojiang Branch has not accumulated strong ability to manage the risk of loan business, so it is necessary to get corresponding experience according to its actual loan business risk management, and to raise it to a theoretical level. To provide the corresponding guidance for the loan business risk management of the grass-roots bank. At the same time, as a basic sample, the risk management of the SME loan business in the Badaojiang Branch can be used as a major reference for other grass-roots banks in the management of SME loan business. To help more grassroots banks with similar problems to solve their practical problems. The main body of this study is divided into five parts. The first part analyzes the background and significance of the research, summarizes the development of SMEs loan risk management at home and abroad, and answers why to study the subject. The second part of the commercial bank loan risk management theory, around the commercial bank loan risk and loan risk management, loan risk early warning management set up the theoretical structure of the subject. The third part introduces the current situation of the early-warning management of loan risk of small and medium-sized enterprises in Baishan Badaojiang Branch of Jilin Province, and introduces the development of the branch and the development of loan business of small and medium-sized enterprises. This paper reveals the problems and causes of loan risk management in this branch. In the fourth part, according to the above analysis of SMEs loan risk management problems, proposed to build a sound credit rating system for SMEs, build an effective SME loan risk early warning system, Improve the loan guarantee environment of small and medium-sized enterprises and other countermeasures. Finally, the conclusion is summarized, and the applicability and deficiency of the study are analyzed.
【学位授予单位】：吉林大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.4;F276.3
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本文编号：2131012
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