包商银行微小企业信贷业务内部控制评价与改进

发布时间：2018-02-10 10:19

本文关键词： 微小企业贷款内部控制现状缺陷改进　出处：《内蒙古财经大学》2016年硕士论文　论文类型：学位论文

【摘要】：自2005年起,包商银行开始开展小微金融业务,在我国专业银行中属于最早一批涉足该项业务,经过十余年的发展,如今,包商银行的小微企业贷款业务迅速发展,成绩显著,而且还发展出自己独特的一套风险防控方法,可发挥榜样作用,将开展该类业务的理论和实践经验提供给其他银行。在我国经济、社会飞速发展的同时,也不断涌现出各种新问题、新风险,要想进一步做大、做强小微企业贷款业务,包商银行必须紧紧围绕市场变化情况,适当调整自身的组织结构、管理流程、内部控制、IT系统等,确保高效、及时。"做最好的小企业金融服务集成商"是包商银行今后一段时期的主要发展目标之一,而做好该项业务的风险管理工作,确保微小企业贷款业务质量优良,才能实现这一目标,这也是当前经济整体下滑的局面下,确保操作的安全性,防范风险的必由之路,符合全社会贯彻落实科学发展观、支持中小企业发展、实现可持续发展的总体需求。笔者深入分析了中国微小企业的现状特点,通过剖析根据包商银行微小企业贷款产品和业务流程以及风险防控措施指出,在微小企业贷款内部控制方面,包商银行目前有缺陷存在,进而给出相应的对策建议,以使包商银行在开展微贷业务的过程中,内部风险控制更加高校,资产质量和业务水平得到提高。
[Abstract]:Since 2005, the contractor bank began to carry out the small and micro finance business, which is one of the earliest professional banks in China. After more than ten years of development, the small and micro enterprise loan business of the contractor bank has developed rapidly, with remarkable achievements. Moreover, it has also developed its own unique set of risk prevention and control methods, which can play an exemplary role in providing other banks with theoretical and practical experience in carrying out this kind of business. At the same time of the rapid economic and social development of our country, There are also emerging new problems and new risks. In order to further expand and strengthen the lending business of small and micro enterprises, the contractor banks must closely revolve around the changing market conditions, appropriately adjust their own organizational structure, and manage their processes. Internal control, IT systems, etc., to ensure efficient and timely. "to be the best financial services integrator for small enterprises" is one of the major development goals of the contractor's bank in the future, and to do a good job of risk management in this business, This goal can only be achieved by ensuring the fine quality of the loan business of small and medium-sized enterprises. This is also the only way to ensure the safety of operation and prevent risks under the present situation of overall economic decline, which is in line with the implementation of the scientific concept of development by the whole society. The overall demand for supporting the development of small and medium-sized enterprises and realizing sustainable development. The author deeply analyzes the characteristics of the present situation of small and medium-sized enterprises in China, and points out that according to the products and business processes of the small and medium-sized enterprises of the contractor bank and the risk prevention and control measures, In the aspect of internal control of micro-enterprise loan, the contractor bank has some defects at present, and puts forward the corresponding countermeasures and suggestions, so that the contractor bank can make the internal risk control more university in the process of developing micro-loan business. The quality of assets and the level of business have been improved.
【学位授予单位】：内蒙古财经大学
【学位级别】：硕士
【学位授予年份】：2016
【分类号】：F832.4

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