H银行唐山分行中小企业信贷风险管理研究

发布时间：2018-08-04 09:19

【摘要】：改革开放30多年来，中小企业已然成为我国国民经济发展的重要组成部分，在我国经济社会发展中发挥非常巨大的作用，尤其在在繁荣经济、推动创新、扩大出口、增加就业等方面发挥了重要作用。中小企业的发展必然离不开资金支持，而发展信贷业务也是银行经营的一个重要方面，在中小企业数量猛增的时代，挖掘中小企业客户资源，开展新型信贷业务也逐渐成为各商业银行的利润增长点。如何在解决中小企业融资难问题和商业银行拓宽中小企业业务的同时，防范信贷风险的形成，形成银企双赢的局面，将成为亟待研究的一个重要课题。 H银行在唐山市成立时间较短，对唐山市场情况有一定程度上的把握，但还有待于提高，在拓展新的中小企业业务时更要注重防范信贷风险发生。本文首先从基础的理论入手，介绍了中小企业的概念和风险管理的概念，，探讨了国内外信贷风险管理发展现状；然后分析了信贷风险的成因，并且详述了H银行唐山分行中小企业信贷发展现状；之后选取了比较具有代表性的某中型企业授信业务作为实际案例，对授信业务中遇到的具体问题加以分析，在贷后管理中发现贷款企业存在一定的风险，因此我们认为有必要建立Logistic风险评估模型，从定量角度对贷款企业进行风险评估，以期发现问题的根源，减小信贷业务中的风险；最后，综合H银行唐山分行的中小企业信贷业务中存在的问题和实际案例分析，从完善信贷体系建设、健全授信过程中的风险控制、完善担保机制等方面提出相关对策建议。
[Abstract]:After more than 30 years of reform and opening up, small and medium-sized enterprises have become an important part of China's national economic development, and have played a very important role in our country's economic and social development, especially in the prosperity of the economy, the promotion of innovation, and the expansion of exports. Increasing employment and other aspects have played an important role. The development of small and medium-sized enterprises is bound to be inseparable from capital support, and the development of credit business is also an important aspect of bank management. In the era of the rapid increase in the number of small and medium-sized enterprises, the customers of small and medium-sized enterprises are excavated. Developing new credit business has gradually become the profit growth point of commercial banks. How to prevent the formation of credit risk and form a win-win situation for banks and enterprises while solving the problem of financing difficulties for small and medium-sized enterprises and broadening the business of small and medium-sized enterprises by commercial banks? It will become an important subject to be studied urgently. H Bank was established in Tangshan City for a short time and has a certain degree of assurance about the market situation in Tangshan, but it still needs to be improved. In the development of new small and medium-sized businesses should pay more attention to prevent the occurrence of credit risks. This paper begins with the basic theory, introduces the concept of small and medium-sized enterprises and the concept of risk management, discusses the present situation of credit risk management at home and abroad, and then analyzes the causes of credit risk. And detailed the status quo of credit development of small and medium-sized enterprises in Tangshan Branch of H Bank, and then selected a representative medium-sized enterprise credit business as a practical case to analyze the specific problems encountered in the credit business. We find that loan enterprises have some risks in the management of loan, so we think it is necessary to establish Logistic risk assessment model to evaluate the risk of loan enterprises from the quantitative point of view, in order to find the root of the problem and reduce the risk in the credit business. Finally, this paper synthesizes the problems existing in the credit business of small and medium-sized enterprises in Tangshan Branch of H Bank and analyzes the actual cases, and puts forward some relevant countermeasures and suggestions from the aspects of perfecting the construction of credit system, perfecting the risk control in the process of credit granting, perfecting the guarantee mechanism, and so on.
【学位授予单位】：天津大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.4;F276.3

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