HL银行中小科技企业授信业务风险管理研究

发布时间：2018-03-09 11:40

  本文选题：商业银行　切入点：中小科技企业　出处：《南京大学》2017年硕士论文　论文类型：学位论文

【摘要】：在中国迅猛发展的科技和经济水平下,中国中小科技企业的数量在不断增加,质量在不断提高,其对经济的促进作用和在社会发展中的重要性也日益凸显,但中小科技企业在发展的过程中仍然有许多制约因素,最典型的要数融资难问题。另一方面,随着利率市场化的不断推进,商业银行之间的竞争也日益激烈,通过调整信贷结构适应众多中小科技企业的信贷需求,这不仅迎合了国家政策导向,也是商业银行业务发展的契机。商业银行对中小科技企业信贷业务的核心是风险管理,本文以HL银行对杭州某科技公司授信风险管理为例,结合中国中小科技企业的特点和信用风险的特征,探索基于我国商业银行实际又满足中小科技企业信贷需求的授信风险管理理论和方法。本文采用案例研究法,首先在分析商业银行风险管理的基本理论和实践发展现状的基础上,介绍了美国硅谷银行对科技企业授信风险管理的经典案例,分析总结其风险管理经验。随后实地调研HL银行,系统地分析了该行授信的流程及其对中小科技企业的风险管理措施,并结合中小科技企业的特殊性及主要风险点,全面剖析HL银行对杭州某科技企业授信风险管理的案例,并以此案例为突破口来探讨HL银行中小科技企业授信管理中可能存在的一些问题,最后针对存在的问题提出有针对性的对策和建议。经过调研和分析,发现HL银行在综合金融服务、授信业务审批效率、授信风险调查管理和授信风险控制措施等方面都存在一些缺陷,本文提出通过创新金融产品、提高分支行审批权限、建立信用评价体系、注重非财务信息和异常变动的信息等方法来改进上述缺陷。希望通过这次的探讨能为HL银行提高中小科技企业授信风险管理水平提供一些改进思路,也为其他类似商业银行的风险管理实践提供一点参考。
[Abstract]:With the rapid development of science and technology and economic level in China, the number and quality of small and medium-sized science and technology enterprises in China are constantly increasing, and their role in promoting the economy and their importance in social development are also becoming increasingly prominent. However, there are still many restrictive factors in the development of small and medium-sized science and technology enterprises, the most typical of which is the difficulty of financing. On the other hand, with the development of interest rate marketization, the competition among commercial banks is becoming increasingly fierce. By adjusting the credit structure to meet the credit demand of many small and medium-sized science and technology enterprises, this not only caters to the national policy guidance, but also is the opportunity for the development of the commercial bank business. The core of the credit business of the commercial bank to the small and medium-sized science and technology enterprise is risk management. This paper takes the credit risk management of a technology company in Hangzhou by HL Bank as an example, combined with the characteristics of small and medium-sized science and technology enterprises in China and the characteristics of credit risk. This paper explores the theory and method of credit risk management based on the fact that commercial banks in China meet the credit needs of small and medium-sized scientific and technological enterprises. First of all, based on the analysis of the basic theory and practice of commercial bank risk management, this paper introduces the classic case of credit risk management of Silicon Valley bank in the United States. The paper analyzes and summarizes its risk management experience, then investigates HL Bank on the spot, analyzes systematically the process of granting credit and its risk management measures to small and medium-sized science and technology enterprises, and combines the particularity and main risk points of small and medium-sized science and technology enterprises. This paper comprehensively analyzes the case of HL Bank's credit risk management for a technology enterprise in Hangzhou, and uses this case as a breakthrough to discuss some problems that may exist in the credit management of small and medium-sized enterprises in HL Bank. Finally, some countermeasures and suggestions are put forward to solve the existing problems. Through investigation and analysis, it is found that HL Bank has the efficiency of examining and approving comprehensive financial services and credit services. There are some defects in credit risk investigation management and credit risk control measures. This paper proposes to establish a credit evaluation system by innovating financial products, improving the approval authority of branch banks, and establishing a credit evaluation system. Pay attention to the methods of non-financial information and abnormal information to improve the above defects. It is hoped that this discussion will provide some improvement ideas for HL Bank to improve the credit risk management level of small and medium-sized science and technology enterprises. It also provides some reference for the risk management practice of other similar commercial banks.
【学位授予单位】：南京大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.4;F276.44
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本文编号：1588364