吉林银行小微企业信贷业务风险管理研究

发布时间：2018-04-23 08:38

本文选题：小微企业 + 信贷风险　；参考：《吉林大学》2013年硕士论文

【摘要】：在我国的经济发展中，小微企业的重要性变的越发突出。我国的商业银行为了开发更加广阔的市场以及获取更大的投资回报利润，势必将小微企业的信贷业务市场作为重要的发展区域。银行作为一个极具特殊性的金融机构，它在正常运营的过程中常常面临着不同类型的风险，其中的信贷风险最为突出。另外，由于我国的商业银行不规范的操作流程、落后的管理观念以及小微企业运转的特殊性质，小微企业的信贷业务风险，在贷款的管理和业务的受理过程中变的更加难以控制。所以，合理的控制小微企业信贷业务的风险，不但关系到商业银行的竞争能力和经营成果，严重时甚至能对商业银行能否生存下去造成强烈的威胁。因此，研究商业银行的小微企业信贷业务风险管理，对商业银行来说具有重要的现实意义。本文以吉林银行为例,第一章介绍了选题的背景和意义。介于本论文的研究课题为吉林银行小微企业信贷业务风险管理的研究，因此文章选题背景中首先从小微企业对我国经济的重要性出发，以小微企业融资难的原因来突出风险管理的重要作用，并强调了小微企业市场对商业银行的意义。同时，在本章中介绍的还有研究的方法和予解决的问题。第二章主要研究的是吉林银行小微企业信贷业务风险管理现状与问题。包括以下三个方面：小微企业业务开展情况、吉林银行小微企业信贷业务风险管理现状以及吉林银行小微企业信贷业务风险管理存在的问题。在吉林银行的小微企业业务开展情况中，，为使本文的数据具有更加的说服力，论文中全部都是搜集截止到2012年的银行小微企业信贷业务的最新概况。第三章论述了吉林银行小微企业信贷业务风险分析。通过整体情况的分析，吉林银行小微企业信贷业务风险主要包括信用、政策以及管理等几个方面的风险。吉林银行的信贷业务风险产生的原因包括两种：即内部原因和外部原因。第四章分别从吉林银行小微企业贷款业务风险管理体系、流程改进方案和贷后风险检查体系三个方面提出了吉林银行小微企业信贷业务风险管理的改进方案。在体系建设方面：强化贷前风险控制环节，重视事后问题贷款和不良贷款的处里,设计贷款责任追究制度。在流程的改进中：保证担保的调查，改进贷款的额度、期限、利率和还款方式以及提出关于土地和建筑等抵押物的要求等；最后银行对信贷业务的贷后控制是通过对业务完成后反馈回来的信贷风险的控制来完成的，通过贷后的管理实现这种控制。文章最后提出了吉林银行小微企业信贷业务风险管理方案实施保障措施。
[Abstract]:In China's economic development, the importance of small and micro enterprises has become more and more prominent. In order to develop a wider market and obtain a greater return on investment, the commercial banks of our country are bound to take the credit market of small and micro enterprises as an important development area. As a special financial institution, banks often face different types of risks in their normal operation, among which the credit risk is the most prominent. In addition, due to the irregular operation process of commercial banks in our country, the backward management concept and the special nature of the operation of small and micro enterprises, the credit business risks of small and micro enterprises, In the management of loans and business processing process becomes more difficult to control. Therefore, the reasonable control of the risk of small and micro enterprise credit business, not only related to the competitiveness and business results of commercial banks, but also can pose a strong threat to the survival of commercial banks. Therefore, it is of great practical significance for commercial banks to study the risk management of small and micro-enterprise credit business in commercial banks. This paper takes Jilin Bank as an example, the first chapter introduces the background and significance of the topic. As the research topic of this thesis is the risk management of the credit business of Jilin Bank, the background of this paper firstly starts from the importance of small and micro enterprises to the economy of our country. This paper emphasizes the important role of risk management in the financing of small and micro enterprises, and emphasizes the significance of the market of small and micro enterprises to commercial banks. At the same time, this chapter also introduces the research methods and the problems to be solved. The second chapter mainly studies the present situation and problems of credit risk management of Jilin Bank. It includes the following three aspects: the development of small and micro enterprises, the current situation of credit risk management in Jilin Bank and the problems in credit risk management of Jilin bank. In order to make the data of this paper more persuasive in the development of the small and micro enterprise business of Jilin Bank, all the papers collect the latest survey of the credit business of the small and micro enterprise of the bank up to 2012. The third chapter discusses the risk analysis of the small and micro enterprise credit business of Jilin Bank. Through the analysis of the whole situation, the risk of the small and micro enterprise credit business of Jilin Bank mainly includes the risk of credit, policy and management. There are two reasons for the credit risk of Jilin Bank: internal reason and external reason. In the fourth chapter, the author puts forward the improvement scheme of credit risk management of Jilin Bank from three aspects: loan risk management system, process improvement scheme and post-loan risk inspection system. In the aspect of system construction, we should strengthen the risk control before loan, pay attention to the problem loan and non-performing loan, and design the system of investigating loan liability. In the process improvement: guarantee the investigation of guarantee, improve the loan amount, term, interest rate and repayment method, and put forward the demand for land and construction, etc.; Finally, the bank's post-credit control is accomplished through the control of the credit risk feedback after the completion of the business, and the control is realized through the post-credit management. Finally, the paper puts forward the guarantee measures of the risk management scheme for the small and micro enterprises of Jilin Bank.
【学位授予单位】：吉林大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.42

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