鞍山银行腾鳌支行对和丰公司企业贷款的案例分析
发布时间：2019-05-08 19:24
【摘要】：商业银行的业务分为资产、负债和中间业务，，其中资产和中间业务为利润之源，就目前我国商业银行总体情况来看，中间业务收入占我总收入中的所占份额较国外差距较大，贷款业务仍然是商业银行资产的重要组成部分，贷款利息收入仍是一项最重要的收入来源，因而贷款业务的管理也就成为商业银行管理的重中之重。在当前金融“脱媒”和“利率市场化”进程不断加快的趋势下，为了响应银监会支持中小企业发展的号召，基于鞍山银行关于发展中小企业业务的需求，也鉴于腾鳌支行自身业务拓展的需要，故大力发展中小企业业务已成为腾鳌支行的当务之急。在这样的背景下，展开对鞍山银行腾鳌支行（以下简称“腾鳌支行”）发展中小企业贷款业务的研究具有十分重要的现实意义。本文首先分析了腾鳌支行中小企业贷款业务的发展现状及其存在问题。重点围绕对和丰公司贷款业务进行深入研究，并通过对贷款的过程、风险评估、审批情况以及贷款发放后的管理等工作的进行梳理，找出大力开展中小企业贷款业务中值得借鉴的经验。
[Abstract]:The business of commercial banks is divided into assets, liabilities and intermediate business, in which assets and intermediate business are the source of profits. As far as the overall situation of commercial banks in our country is concerned, the share of intermediate business income in our total income is quite different from that of foreign countries. Loan business is still an important part of commercial bank assets, and loan interest income is still the most important source of income, so the management of loan business has become the most important part of commercial bank management. Under the current trend of accelerating the process of financial "disintermediation" and "interest rate marketization", in order to respond to the call of CBRC to support the development of small and medium-sized enterprises, based on the needs of Anshan Bank for the development of small and medium-sized enterprises, Also in view of Tengao Branch's own business development needs, therefore, the development of small and medium-sized business has become the top priority of Teng'ao Branch. Under this background, the research on the development of small and medium-sized enterprises loan business by Tengao Branch of Anshan Bank (hereinafter referred to as "Tengao Branch") has very important practical significance. This paper first analyzes the Tengao Branch small and medium-sized enterprises loan business development status and existing problems. Focus on the in-depth study of the loan business of Hefeng Company, and through the loan process, risk assessment, examination and approval situation and after the loan management and other work to sort out, Find out the experience that should be used for reference in developing loan business of small and medium-sized enterprises.
【学位授予单位】：辽宁科技大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.4
本文编号：2472170
[Abstract]:The business of commercial banks is divided into assets, liabilities and intermediate business, in which assets and intermediate business are the source of profits. As far as the overall situation of commercial banks in our country is concerned, the share of intermediate business income in our total income is quite different from that of foreign countries. Loan business is still an important part of commercial bank assets, and loan interest income is still the most important source of income, so the management of loan business has become the most important part of commercial bank management. Under the current trend of accelerating the process of financial "disintermediation" and "interest rate marketization", in order to respond to the call of CBRC to support the development of small and medium-sized enterprises, based on the needs of Anshan Bank for the development of small and medium-sized enterprises, Also in view of Tengao Branch's own business development needs, therefore, the development of small and medium-sized business has become the top priority of Teng'ao Branch. Under this background, the research on the development of small and medium-sized enterprises loan business by Tengao Branch of Anshan Bank (hereinafter referred to as "Tengao Branch") has very important practical significance. This paper first analyzes the Tengao Branch small and medium-sized enterprises loan business development status and existing problems. Focus on the in-depth study of the loan business of Hefeng Company, and through the loan process, risk assessment, examination and approval situation and after the loan management and other work to sort out, Find out the experience that should be used for reference in developing loan business of small and medium-sized enterprises.
【学位授予单位】：辽宁科技大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.4
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