徽商银行A分行小微企业信贷风险控制案例分析

发布时间：2018-04-27 21:08

本文选题：小微企业 + 风险控制　；参考：《安徽财经大学》2017年硕士论文

【摘要】：近年来,为了响应大众创业、万众创新精神,我国对小微企业扶植力度正在逐年加深,无论是政策上的支持,还是资金上的补助,或者是相关制度上的支撑,都反映出国家大力发展小微企业的决心。各个商业银行也从中看出契机,拓展生存空间,将服务重心从大中型企业逐渐转向小微型企业。然而,在经济下行,各行各业都面临着机遇和挑战的今天,一干小微企业存在着技术附加值低、利润单薄、风险承受力差等缺陷,给商业银行的小微企业信贷带来了严峻的考验。本文通过对徽商银行A分行小微企业信贷的风险控制展开分析研究,通过分析现有风险控制管理理论,指出徽商银行A分行风险控制措施存在的各种不足和需要解决的问题,并提出建立风险控制预警机制以及信息反馈机制,优化信贷流程,加快对小微企业征信体系的建设。本文首先梳理了资产风险控制理论、负债风险控制理论、资产负债综合风险控制理论、信贷配给理论等小微信贷风险控制理论,对我国商业银行针对小微企业贷款的现状进行了分析,以较具有代表性的徽商银行为例,首先对徽商银行A分行的整体概况进行分析,进而介绍该银行小微企业信贷业务的整体发展现状,最后对其现有的信贷业务风险控制机制展开介绍。随后以徽商银行A分行为例,分别从外部市场的角度、小微企业自身角度、小微企业信贷流程角度、小微企业风险控制角度指出了其在小企业风险控制中的问题和不足,并结合国内外对于小微企业风险控制领域的相关实际材料,有针对性地提出了相关的解决方案和措施,归纳总结具体建议,如建立小微企业风险控制预警以及信息反馈机制、协助加快小微企业信用评级体系建立、优化徽商银行小微企业信贷流程等,丰富并且拓展了新常态下商业银行贷款风险控制的相关理论。
[Abstract]:In recent years, in order to respond to the popular entrepreneurship and the spirit of innovation, the efforts of our country to foster small and micro enterprises are deepening year by year, whether it is policy support, financial subsidies, or related institutional support. Both reflect the determination of the state to develop small and micro-enterprises. Each commercial bank also sees the opportunity, expands the living space, gradually shifts the service center from the large and medium enterprise to the small and micro enterprise. However, in the economic downturn, a variety of industries are facing opportunities and challenges today, a small and micro enterprises have low technical added value, thin profits, poor tolerance to risk and other defects. Small and micro-enterprise credit to commercial banks has brought a severe test. Through the analysis and research on the risk control of small and micro enterprise credit in A branch of Huizhou Commercial Bank, and through the analysis of the existing risk control management theory, this paper points out the shortcomings of the risk control measures and the problems to be solved in the risk control measures of the A branch of Huizhou Commercial Bank. It also puts forward the establishment of risk control early warning mechanism and information feedback mechanism to optimize the credit flow and speed up the construction of credit information system for small and micro enterprises. This paper firstly combs the theory of asset risk control, the theory of liability risk control, the theory of comprehensive risk control of assets and liabilities, the theory of credit rationing and other small and micro credit risk control theories. This paper analyzes the present situation of commercial banks' lending to small and micro enterprises. Taking the representative Huizhou Commercial Bank as an example, this paper first analyzes the overall situation of Huizhou Commercial Bank A Branch. Finally, the paper introduces the credit risk control mechanism of the bank's small and micro enterprises. Then take Huizhou Commercial Bank A Branch as an example, from the external market angle, the small and micro enterprise own angle, the small and micro enterprise credit flow angle, the small and micro enterprise risk control angle pointed out its problem and the insufficiency in the small enterprise risk control. Combined with the domestic and foreign related materials in the field of risk control of small and micro enterprises, this paper puts forward relevant solutions and measures, and summarizes specific suggestions, such as establishing early warning and information feedback mechanism of risk control of small and micro enterprises. It helps to accelerate the establishment of credit rating system for small and micro enterprises and optimize the credit flow of small and micro enterprises of Huizhou Commercial Bank, which enriches and expands the relevant theories of loan risk control of commercial banks under the new normal condition.
【学位授予单位】：安徽财经大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.4;F276.3

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