中国建设银行H分行中小企业信贷风险管理体系研究

发布时间：2019-06-22 18:45

【摘要】：中小企业信贷风险管理体系是银行经营信贷业务的重要组成部分,在市场经济发展大环境中,随着我国社会主义市场经济体制改革的不断深化发展及国家不断出台相关政策支持中小企业发展的大背景下,中小企业的融资难、中小企业贷款不良率的逐年上升、中小企业信贷风险管理的漏洞频出等不仅给银行造成巨大的损失,也严重损害了银行的声誉,给银行的发展带来了极大压力。因此,如何有效构建中小企业信贷风险管理体系,减少经济损失,降低声誉风险,已成为商业银行亟待解决的问题。本文主要研究建行H分行中小企业信贷风险管理,分析中小企业信贷风险以及重新构建建行H分行中小企业信贷风险管理体系。首先研究建行H分行中小企业信贷风险管理现状,特别是中小企业信贷业务开展情况,原有的中小企业信贷风险管理情况介绍;其次研究建行H分行中小企业信贷风险管理中存在的问题及根源和原有体系存在的问题;再次在研究和分析建行H分行中小企业信贷风险以及风险管理现状的情况下,结合国内外先进中小企业信贷风险管理方法构建新的中小企业信贷风险管理体系;然后提出保障中小企业信贷风险管理体系得以有效运行的具体措施,从而降低中小企业信贷风险的产生。
[Abstract]:The credit risk management system of small and medium-sized enterprises is an important part of the credit business of banks. In the environment of the development of market economy, with the deepening of the reform of socialist market economy system in our country and the continuous introduction of relevant policies to support the development of small and medium-sized enterprises, the financing of small and medium-sized enterprises is difficult, and the rate of poor loans of small and medium-sized enterprises is rising year by year. The loopholes in credit risk management of small and medium-sized enterprises not only cause great losses to banks, but also seriously damage the reputation of banks and bring great pressure to the development of banks. Therefore, how to effectively construct the credit risk management system of small and medium-sized enterprises, reduce economic losses and reduce reputation risk has become an urgent problem for commercial banks. This paper mainly studies the credit risk management of small and medium-sized enterprises in CCB H Branch, analyzes the credit risk of small and medium-sized enterprises and reconstructs the credit risk management system of small and medium-sized enterprises in CCB H Branch. Firstly, this paper studies the present situation of credit risk management of small and medium-sized enterprises in CCB H Branch, especially the development of credit business of small and medium-sized enterprises, and introduces the original credit risk management of small and medium-sized enterprises. Secondly, it studies the existing problems and root causes of credit risk management of small and medium-sized enterprises in Branch H of CCB and the problems existing in the original system. Thirdly, under the condition of studying and analyzing the credit risk and risk management of small and medium-sized enterprises in CCB H Branch, combining with the advanced credit risk management methods of small and medium-sized enterprises at home and abroad, the new credit risk management system of small and medium-sized enterprises is constructed, and then the concrete measures to ensure the effective operation of credit risk management system of small and medium-sized enterprises are put forward, so as to reduce the emergence of credit risk of small and medium-sized enterprises.
【学位授予单位】：哈尔滨工程大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.4

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