我国农村商业银行小额信贷风险管理研究

发布时间：2018-03-24 23:30

本文选题：小额信贷　切入点：农村商业银行　出处：《武汉工程大学》2015年硕士论文

【摘要】：在最近几年的时间里,我国农村商业银行信贷业务发展非常快,全球各个国家的银行因为抢夺市场份额而使得市场竞争日益白热化,外资银行纷纷在华开展业务,以其不断完善的业务管理方式和经验给我国农村商业银行的生存与发展带来了挑战。但在面临挑战的同时也提供了难得的发展机遇,各个银行纷纷借助这一机会,积极对本身业务进行战略调整。小额信贷业务因其成本低、资本占用量小且利润空间巨大等优势而受到瞩目,其结构也开始向着零售化方向调整。2007年,美国次级房贷危机的发生进一步诱发了全球金融危机的产生,这给全国农村商业银行敲响了警钟,即必须高度关注信贷业务可能产生的风险,对其实施必要的控制和管理,所以提升农村商业银行管理小额信贷风险的水平有很深远的实践意义。小额信贷产品起源于上个世纪70年代的孟加拉乡村银行,最初作为政府特定的扶贫方式向贫困家庭提供贷款和资金支持,后期逐渐衍变成为利率较高、期限较短、且要求有第三方作为担保的贷款方式,将其发放给有还款能力的客户,以谋求更高水平的资金回报率,用以完成银行业务为特定群体服务并持续发展的目标。小额信贷产品是融合了金融领域的发展理念后结合而成的衍生产品,随后迅速在世界各地的银行得以推广。在众多发展中国家,包括我国均开始借鉴孟加拉乡村银行的发展思路,用小额信贷产品来解决中小企业融资难的实际问题。本篇论文利用风险管理和小额信贷的相关理论,通过总结农村商业银行小额信贷所面对风险的多样化来构建风险管理模型,最终提出全面提高我国农村商业银行小额信贷风险管理需要从下面几方面入手,对小额信贷业务进行全面地突破与创新、构建中小企业融资的相关信用管理制度和客户信用评价制度,并完善内部的风险应对机制。
[Abstract]:In recent years, the credit business of China's rural commercial banks has developed very rapidly. Banks in various countries around the world have become increasingly competitive in the market because of grabbing market share. Foreign banks have started business in China one after another. With its continuous perfect business management mode and experience, it brings challenges to the survival and development of rural commercial banks in our country. However, it also provides a rare opportunity for development in the face of challenges, and various banks take advantage of this opportunity one after another. Actively adjust its own business strategy. Microfinance business has attracted attention because of its advantages of low cost, small capital consumption and huge profit margin, and its structure has also begun to adjust towards the direction of retail. In 2007, The emergence of the subprime mortgage crisis in the United States has further induced the emergence of the global financial crisis, which has sounded the alarm to the national rural commercial banks, that is, we must pay close attention to the risks that may arise from the credit business, and implement the necessary control and management of them. Therefore, it is of great practical significance to raise the level of rural commercial banks' management of microfinance risks. Microfinance products originated in Grameen Bank of Bangladesh in the 1970s. Initially providing loans and financial support to poor families as a specific form of government poverty alleviation, the latter gradually evolved into higher interest rates and shorter maturities, and a third party was required to provide loans guaranteed by third parties to clients with repayment capacity. In order to achieve a higher level of return on funds to achieve the goal of banking to serve a particular group and to sustain development. Microfinance products are derivatives that combine the development ideas of the financial sector, Banks around the world were quickly popularized. In many developing countries, including China, they began to learn from the development ideas of Grameen Bank of Bangladesh. This paper uses the theory of risk management and microfinance to build a risk management model by summarizing the diversification of risks faced by rural commercial banks. Finally, it is put forward that to improve the risk management of microfinance in rural commercial banks in China, we need to break through and innovate the microfinance business from the following aspects. Construct the credit management system and customer credit evaluation system of SME financing, and improve the internal risk response mechanism.
【学位授予单位】：武汉工程大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：F832.43

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