Y银行A支行小企业信贷业务分析

发布时间：2018-03-05 19:10

本文选题：城市商业银行　切入点：Y银行A支行　出处：《辽宁大学》2015年硕士论文　论文类型：学位论文

【摘要】：在中小企业对国民经济发展贡献度越来越高的今天,中小企业的经营发展状况广受各方关注。为中小企业提供可持续的优质金融服务,特别是解决长期以来小企业融资难的问题至关重要。众多理论研究表明,城市商业银行在服务地区内小企业方面具有天然的比较优势,是解决小企业融资难问题的重要力量。在国内商业银行大力推进小企业信贷业务的情况下,通过细分市场,进一步明确小企业信贷业务战略,结合自身问题完善小企业信贷业务策略,有利于商业银行快速壮大和发展自身业务,取得巨大的竞争优势,地方小企业和地方经济发展也将受益无穷。Y银行作为一家城市商业银行,一直致力于发展小微金融,取得了一定的成绩。本文从完善Y银行的小企业信贷策略的角度,选取了具有代表性的A支行小企业信贷业务发展情况。首先,明确小企业信贷业务的概念和特点,同时阐述了城市商业银行小企业信贷业务的难点。然后,对A支行小企业信贷的发展概况和包括行业分布、期限结构、担保结构、风险管理、定价模式和收益结构在内的具体情况进行了介绍。接下来,结合具体案例总结A支行小企业信贷业务风险,同时总结了考察中发现支行小企业信贷业务存在的问题和成因。最后,理论结合实际,具体针对A支行目前授信业务的风险点和存在的问题提出对策建议。文章认为A支行可以通过加强抵押物风险防范、完善客户经理制度并优化小企业信用评级体系、信贷行业多元化布局并建立风险预警机制和关注小企业民间借贷融资行为加强小企业信贷风险管理,并且应该通过明确小企业战略目标、加强信贷队伍建设、专业化产品开发、加强风险管理、完善定价机制、提升综合化金融服务和积极助推小企业发展壮大的全面举措,提升本行小企业信贷业务质量。
[Abstract]:With the increasing contribution of small and medium-sized enterprises to the development of the national economy, the management and development of small and medium-sized enterprises have attracted wide attention from all sides, providing sustainable and high-quality financial services for small and medium-sized enterprises. In particular, it is very important to solve the problem of financing difficulties of small enterprises for a long time. Many theoretical studies show that city commercial banks have natural comparative advantages in serving small enterprises in service areas. It is an important force to solve the problem of financing difficulties for small enterprises. In the case of domestic commercial banks vigorously promoting the credit business of small enterprises, by subdividing the market, we can further clarify the credit business strategy of small enterprises. To perfect the credit business strategy of small enterprises in combination with their own problems is conducive to the rapid growth and development of their own business, and to obtain a huge competitive advantage. Local small enterprises and local economic development will also benefit infinitely. Y Bank as a city commercial bank, has been committed to the development of small and micro finance, has made certain achievements. Select the representative A sub-bank small enterprise credit business development. First, clarify the concept and characteristics of small enterprise credit business, and at the same time explain the difficulties of small enterprise credit business of city commercial bank. This paper introduces the development of small business credit in Sub-branch A, including industry distribution, term structure, guarantee structure, risk management, pricing model and income structure. Combined with specific cases to sum up the risk of small business credit business in Sub-bank A, at the same time, it summarizes the problems and causes of the credit business of small enterprises in branch A. finally, combining theory with practice, Aiming at the risk points and existing problems of A branch at present, the paper points out that branch A can improve the system of customer manager and optimize the credit rating system of small enterprises by strengthening the risk prevention of collateral, and improving the credit rating system of small enterprises. The diversification of the credit industry and the establishment of a risk warning mechanism and attention to the private lending and financing behavior of small enterprises strengthen the credit risk management of small enterprises, and should strengthen the construction of credit teams and specialized product development by clarifying the strategic objectives of small enterprises. Strengthen risk management, improve pricing mechanism, promote comprehensive financial services and actively promote the development and growth of small enterprises, and improve the quality of small business credit business.
【学位授予单位】：辽宁大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：F832.4;F276.3

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