G银行小企业信贷业务信用风险及其管理研究

发布时间：2018-08-12 18:59

【摘要】：本文运用博弈论、金融风险、供应链金融、团体贷款等理论知识,分析了我国小企业信贷业务的特点,需求特征、融资现状、银行信贷支持等内容,总结了小企业融资难的成因。小企业融资难是因为小企业规模小,效益不稳定,自身经营状况不好,财务制度不健全,管理不完善、抗风险能力弱等的影响,难以形成对信贷资金的吸引力,且由于信息不对称造成了逆向选择、道德风险,造成银行成本增加。在分析了国内外小企业信用风险管理的基础上,计算小企业信贷业务信用风险限额,优化风险缓释,并在业务创新的基础上提出了小企业信贷业务信用风险控制的措施。一是探讨横向监督控制风险的团体贷款；二是信息流和资金流为-个整体的进行风险控制的供应链金融。文章分为六部,第一部分为导论,主要阐述研究背景、研究目的与意义、研究思路与方法。在查阅文献的基础上,对国内外小企业信用风险控制进行客观评述,概括出值得本研究借鉴的重要观点、主要理论和基本方法；第二部分是“小企业信贷业务信用风险理论概述”。简要介绍了小企业的涵义及特点、信用风险的涵义及特点、信用风险管理相关理论；第三部分是“G银行小企业信用风险分析”,介绍了G银行的现状,进行了G银行小企业业务信用风险概述,分析G银行小企业信贷业务信用风险产生的原因；第四部分“G银行小企业信用风险控制”分析G银行小企业信贷业务信用风险管理管理现状及G银行小企业信贷业务信用风险管理存在的问题、原因：第五部分在针对G中小企业信贷业务风险管理存在问题的基础上,提出G银行小企业信贷业务信用风险管理措施；第六部分最后是根据前面的探讨提出了关于G银行中小企业信贷业务信用风险控制的运作研究结论与研究展望。
[Abstract]:Based on the theory of game theory, financial risk, supply chain finance and group loan, this paper analyzes the characteristics, demand characteristics, financing status and bank credit support of small enterprises in China. This paper summarizes the causes of financing difficulties for small enterprises. It is difficult for small enterprises to raise funds because of their small scale, unstable benefits, poor operating conditions, imperfect financial system, imperfect management, weak ability to resist risks, and so on. It is difficult to form the attraction to credit funds. And because of asymmetric information, adverse selection, moral hazard, resulting in increased bank costs. On the basis of analyzing the credit risk management of small enterprises at home and abroad, this paper calculates the credit risk limit of small enterprise credit business, optimizes the risk mitigation, and puts forward some measures to control the credit risk of small enterprise credit business on the basis of business innovation. One is to discuss the horizontal supervision and control of risk group loans, the other is the information flow and capital flow as a whole to carry out risk control of the supply chain finance. The article is divided into six parts, the first part is an introduction, mainly describes the research background, research purpose and significance, research ideas and methods. On the basis of consulting the literature, this paper makes an objective comment on the credit risk control of small enterprises at home and abroad, and summarizes the important viewpoints, main theories and basic methods which are worthy of reference in this study. The second part is an overview of credit risk theory of small enterprises. This paper briefly introduces the meaning and characteristics of small enterprises, the related theories of credit risk management, the third part is "G bank small enterprise credit risk analysis", introduces the current situation of G bank, The credit risk of small business in G bank is summarized, and the causes of credit risk of small enterprise in G bank are analyzed. The fourth part "G bank small enterprise credit risk control" analysis G bank small enterprise credit business credit risk management present situation and G bank small enterprise credit business credit risk management existence question, Reasons: the fifth part puts forward the credit risk management measures of small and medium-sized enterprises in G bank on the basis of the existing problems in credit risk management of small and medium-sized enterprises in G bank. In the last part, the author puts forward the conclusion and prospect of credit risk control of small and medium sized enterprises in G bank according to the previous discussion.
【学位授予单位】：广西大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.4

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