我国商业银行小微企业信贷风险控制研究

发布时间：2018-03-01 18:10

  本文关键词： 商业银行 小微企业 信贷风险控制　出处：《暨南大学》2013年硕士论文　论文类型：学位论文

【摘要】：随着经济的快速发展，小微企业已经成为我国国民经济持续发展壮大的重要力量之一。但是从目前来看，对大多数小微企业来说,获得资金并不是轻而易举的事情。近年来，，国家不断加大对小微企业的关注与支持，用银行贷款的方式促进小微企业的快速成长势在必行。但对于银行来讲，贷款的有效管理和风险控制实质上就是商业银行对资产质量的有效管理和合理配置的问题，信贷资产质量的好坏，不仅直接决定着银行自身以及金融业能否生存发展，而且对整个经济的发展和社会的稳定有着重要的影响。如何提高信贷效率，有效控制小微企业的信贷风险己经成为我国商业银行当前亟待解决的重要课题。 我国商业银行的小微企业信贷规模呈现出快速平稳的发展态势，小微企业贷款以抵押形式为主，质保形式贷款余额占比有所上升，我国银行针对小微企业设计的风险控制体系和监管机制，发挥了较为积极的作用。但是，我国银行对小微企业的信贷风险控制普遍存在着信贷风险评估建设滞后、贷款类型单一、贷款审查制度欠规范、缺乏针对小微贷款风险控制机制等问题，这些问题主要是由于信息不对称、微型贷款的成本较高、银行缺乏信贷风险控制思想、小微企业自身的内部控制不健全等原因所造成的。针对我国银行对小微企业信贷业务中所面临的问题，提出了明确小微企业客户市场、明确信贷风险的可控性和可交易性原则、全面控制小微企业信贷风险、针对小微企业不同的信贷风险类型，运用各种风险防范手段、严格控制小微企业信贷业务流程的创新优化思路，并从经营管理思路、贷款营销、贷前调查、贷款审查、贷款审批、贷后管理方面提出了科学可行的对策。本文以我国某商业银行为例，对小微企业信贷风险控制进行了系统深入的研究，不仅对我国银行未来小微贷款的发展起到了指导作用，对其他银行发展小微企业贷款也具有借鉴意义。
[Abstract]:With the rapid development of economy, small and micro enterprises have become one of the important forces in the sustainable development of our national economy. However, at present, it is not easy for most small and micro enterprises to obtain funds. It is imperative for the state to pay more attention to and support small and micro enterprises, and to promote the rapid growth of small and micro enterprises by means of bank loans. But for banks, In essence, the effective management and risk control of loans is the effective management and rational allocation of assets quality in commercial banks. The quality of credit assets not only directly determines whether the banks themselves and the financial industry can survive and develop. How to improve the credit efficiency and effectively control the credit risk of small and micro enterprises has become an important issue to be solved urgently in commercial banks of our country. The credit scale of small and micro enterprises of commercial banks in our country is developing rapidly and steadily. The loans of small and micro enterprises are mainly in the form of mortgage, and the balance of loans in the form of quality assurance has increased. The risk control system and supervision mechanism designed by Chinese banks for small and micro enterprises have played a more active role. However, the credit risk control of small and micro enterprises in our country is generally lagging behind in credit risk assessment. The problems of single loan type, imperfect loan review system, and lack of risk control mechanism for small and micro loans are mainly due to asymmetric information, high cost of micro-loans, lack of credit risk control ideas in banks, and so on. The internal control of small and micro enterprises is not perfect and so on. In view of the problems faced by Chinese banks in the credit business of small and micro enterprises, this paper puts forward the principles of defining the customer market of small and micro enterprises and defining the controllability and tradeability of credit risk. To control the credit risk of small and micro enterprises in an all-round way, aiming at the different types of credit risk of small and micro enterprises, using various means of risk prevention, strictly controlling the innovation and optimization ideas of credit business process of small and micro enterprises, and from the view of management, loan marketing, In this paper, a commercial bank in China is taken as an example to make a systematic and in-depth study on the credit risk control of small and micro enterprises, and puts forward some scientific and feasible countermeasures in the aspects of pre-loan investigation, loan review, loan approval and post-loan management. It not only plays a guiding role in the development of small and micro loans in the future of Chinese banks, but also has reference significance for other banks to develop small and micro enterprise loans.
【学位授予单位】：暨南大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.4

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