中国建设银行G支行小微企业信贷风险管理研究

发布时间：2018-01-25 17:57

本文关键词： 商业银行小微企业信贷风险风险管理　出处：《扬州大学》2017年硕士论文　论文类型：学位论文

【摘要】：随着我国小微企业数量日增长,商业银行对小微企业信贷支持力度不断加大,小微企业信贷客户数量不断增多,小微企业信贷规模日渐增加,但商业银行的小微企业信贷质量普遍不高,风险事项频发,违约概率较高,因此加强小微企业信贷风险管理越来越重要。目前中国建设银行G支行目前小微企业信贷不良率不断增高,对于中国建设银行G支行的小微企业信贷风险管理的要求也不断提高。本文通过分析中国建设银行G支行小微企业信贷风险管理流程及风险管理的现状,以信息不对称理论、信贷配给理论、博弈论、企业生命周期理论为理论基础,利用文献归纳法、案例分析法、归纳演绎法分析了商业银行小微企业信贷风险管理中存在的问题,并提出相应的改进措施。针对中国建设银行G支行目前小微企业信贷风险事项频发,不良率不断提升的现状,通过分析中国建设银行G支行小微企业信贷风险案例,分析其发生的原因,主要是由于中国建设银行G支行存在小微企业信贷风险管理服务制度落后、流程不完善、专业贷后管理团队不健全等问题,为此提出改进措施从注重贷款投放与风险管理并重、注重客户选择、强化贷前风险审查、加强授信后管理、建立风险协同管理机制等方面进一步加强小微企业信贷风险管理,完善中国建设银行G支行信贷风险管理制度,并进一步归纳总结适合商业银行小微企业信贷的风险管理措施,帮助商业银行提升小微企业信贷风险管理水平。
[Abstract]:With the daily growth of the number of small and micro enterprises in China, the credit support of commercial banks to small and micro enterprises is increasing, the number of small and micro enterprises credit customers is increasing, and the scale of small and micro enterprises credit is increasing day by day. However, the credit quality of small and micro enterprises in commercial banks is generally not high, risk events occur frequently, and the probability of default is high. Therefore, it is more and more important to strengthen the credit risk management of small and micro enterprises. The requirements of credit risk management for small and micro enterprises in G branch of China Construction Bank are also raised. This paper analyzes the credit risk management process and risk management status of small and micro enterprises in G branch of China Construction Bank. On the basis of information asymmetry theory, credit rationing theory, game theory, enterprise life cycle theory, using literature induction, case analysis. This paper analyzes the problems existing in the credit risk management of small and micro enterprises in commercial banks, and puts forward the corresponding improvement measures, aiming at the frequent occurrence of credit risk events in small and micro enterprises in G Branch of China Construction Bank. Through the analysis of the credit risk cases of small and micro enterprises in G Branch of China Construction Bank, the causes of its occurrence are analyzed. Mainly because of the G sub-bank of China Construction Bank, the credit risk management service system of small and micro enterprises is backward, the process is not perfect, the professional management team after loan is not perfect and so on. Therefore, this paper puts forward the improvement measures from paying equal attention to the loan investment and risk management, paying attention to the customer selection, strengthening the pre-loan risk examination, and strengthening the post-credit management. Further strengthen the credit risk management of small and micro enterprises and perfect the credit risk management system of G Branch of China Construction Bank. Furthermore, it summarizes the risk management measures suitable for small and micro enterprise credit of commercial banks, and helps commercial banks to improve the level of credit risk management of small and micro enterprises.
【学位授予单位】：扬州大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.4;F275

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