ABC银行高唐支行中小企业信贷风险管理研究
发布时间：2018-11-14 12:30
【摘要】：中小企业作为社会经济中最具有活力与生机的团体,已然成为中国经济增长的重要组成部分。中小企业要保持快速上升的态势,只依靠自身积累是远远够不到要求的,必须依靠于外部融资的支持,当中银行贷款是主要的资金来源渠道,但目前来说多数中小企业融资困难则是普遍存在的事情,这主要原因是因为中小企业个体运营风险较高,信贷风险掌控难度高,管理成本大,所以导致了银行普遍对中小企业的贷款恐惧。因此,对于中小企业信贷风险的管理具有重大的意义。对中小企业的信贷风险管理提出相关策略,使信贷风险得以有效控制,对如何在发展过程中较好的满足中小企业的发展需求以及遇到资金方面的瓶颈等问题显得尤为重要。本文开始从相关理论着手,说明了国有商业银行信贷风险、信贷风险管理等概念的实际意义,然后运用理论结合实际的分析方法对ABC银行高唐支行中小企业信贷业务发展状况及风险管理情况,商业银行采取了一系列的管理风险措施,但中小企业信贷风险管理仍然存在不少的问题。ABC银行高唐支行目前存在管理体系不完善、风险评估机制不合理、信贷风险控制能力差、信贷品种单一、专业人员素质低等问题,而产生这些问题的原因主要有中小企业自身因素及银行因素,最后又从调整组织结构、优化操作流程、完备信贷风险检查体系、完备信用担保体系、加强对信贷工作人员的培训、对信贷产品创新等方面提出合理化建议。
[Abstract]:As the most dynamic and vital group in social economy, SMEs have become an important part of China's economic growth. If small and medium-sized enterprises want to maintain a rapid upward trend, it is far from enough for them to rely only on their own accumulation. They must rely on the support of external financing, among which bank loans are the main source of funds. However, at present, most SMEs have difficulty in financing. This is mainly due to the high risk of individual operation of SMEs, the high difficulty in managing credit risks, and the high management costs. As a result, banks are generally afraid of lending to small and medium-sized enterprises. Therefore, for small and medium-sized enterprises credit risk management has great significance. In order to control the credit risk effectively, it is very important for the SMEs to meet the development needs and meet the bottleneck of capital in the process of development, and put forward the relevant strategies for the credit risk management of the small and medium-sized enterprises, so that the credit risk can be effectively controlled. This paper begins with the relevant theories, and explains the practical significance of the concepts of credit risk and credit risk management of state-owned commercial banks. Then using the theory combined with the actual analysis method to the ABC Bank Gaotang Branch SME credit business development and risk management situation, commercial banks have taken a series of risk management measures. However, there are still many problems in the credit risk management of small and medium-sized enterprises. At present, the management system is not perfect, the risk assessment mechanism is unreasonable, the credit risk control ability is poor, and the credit variety is single. The causes of these problems are mainly small and medium-sized enterprises' own factors and bank factors. Finally, from the aspects of adjusting the organizational structure, optimizing the operation process, perfecting the credit risk inspection system, and perfecting the credit guarantee system, Strengthen the training of credit staff, credit product innovation and other aspects of rationalization proposals.
【学位授予单位】：山东理工大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.4;F276.3
本文编号：2331161
[Abstract]:As the most dynamic and vital group in social economy, SMEs have become an important part of China's economic growth. If small and medium-sized enterprises want to maintain a rapid upward trend, it is far from enough for them to rely only on their own accumulation. They must rely on the support of external financing, among which bank loans are the main source of funds. However, at present, most SMEs have difficulty in financing. This is mainly due to the high risk of individual operation of SMEs, the high difficulty in managing credit risks, and the high management costs. As a result, banks are generally afraid of lending to small and medium-sized enterprises. Therefore, for small and medium-sized enterprises credit risk management has great significance. In order to control the credit risk effectively, it is very important for the SMEs to meet the development needs and meet the bottleneck of capital in the process of development, and put forward the relevant strategies for the credit risk management of the small and medium-sized enterprises, so that the credit risk can be effectively controlled. This paper begins with the relevant theories, and explains the practical significance of the concepts of credit risk and credit risk management of state-owned commercial banks. Then using the theory combined with the actual analysis method to the ABC Bank Gaotang Branch SME credit business development and risk management situation, commercial banks have taken a series of risk management measures. However, there are still many problems in the credit risk management of small and medium-sized enterprises. At present, the management system is not perfect, the risk assessment mechanism is unreasonable, the credit risk control ability is poor, and the credit variety is single. The causes of these problems are mainly small and medium-sized enterprises' own factors and bank factors. Finally, from the aspects of adjusting the organizational structure, optimizing the operation process, perfecting the credit risk inspection system, and perfecting the credit guarantee system, Strengthen the training of credit staff, credit product innovation and other aspects of rationalization proposals.
【学位授予单位】：山东理工大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.4;F276.3
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