H银行西安分行信用担保下的中小企业信贷业务研究
发布时间：2018-10-16 20:44
【摘要】：改革开放以来，我国中小企业得到了迅速发展，在创造社会财富、吸纳就业、构建和谐社会等方面扮演着重要角色，成为国民经济中的一支重要力量。然而，融资难问题却一直困扰着广大中小企业的发展，并且随着宏观经济环境的恶化而愈演愈烈，成为制约中小企业健康发展的重要“瓶颈”。信用担保公司是担负中小企业信用担保职能的专业机构，通过有偿出借自身信用资源、防控信用风险来获取经济与社会效益。但担保机构由于自身的经营管理不善及不规范运作行为使得整体行业的信用水平降低。担保公司与银行在具体信贷业务发生过程中分工不明确，在风险分担等方面的业务合作模式还没有建立,导致银保合作平台的业务发展遇到瓶颈，从而使信用担保平台下的中小企业信贷业务的发展受到严重打击。因此发现该类信贷业务发展中蕴藏的问题并提出相应的解决方案就显得非常迫切及必要。 现阶段商业银行主要通过中小企业信用担保来缓解中小企业融资困难的问题，以H银行西安分行为例，其中小企业信贷业务的构成中，信用担保下的中小企业信贷业务占总中小企业信贷业务的绝对比重。本文主要研究H银行西安分行信用担保下的中小企业信贷业务发展的现状以及此类业务快速发展中遇到的瓶颈问题，最终提出相应的解决方案。 本文通过数据分析法、案例法、类比法等方法对目前H银行西安分行信用担保下的中小企业信贷业务进行研究，，最终提出H银行西安分行信用担保下的中小企业信贷业务要突破瓶颈实现快速健康发展就需要：首先从包括产业链、成长性、企业社会责任及企业家社会道德金融生态环境等角度的实际出发，建设与完善多维立体的中小企业评价体系；其次，由于担保公司的健康持续发展、自身充足的资金本金和代偿能力、规范的经营会有效地提高银行信贷风险控制要求中对于担保公司的认可度，所以银行应主动出击，加强对担保机构的筛选、评价、管理体系的建立使得信用担保平台健康持续发展；最后，银行通过不断完善和提高自身对担保公司项下的中小企业信贷风险管理水平，一方面有利于降低自身不良及损失类贷款的发生概率，同时有助于构筑合理的中小企业信用评价体系。
[Abstract]:Since the reform and opening up, small and medium-sized enterprises in China have been developing rapidly, which plays an important role in creating social wealth, absorbing employment and building a harmonious society, and has become an important force in the national economy. However, the problem of financing difficulties has been puzzling the development of small and medium-sized enterprises, and with the deterioration of the macroeconomic environment, it has become an important "bottleneck" restricting the healthy development of small and medium-sized enterprises. Credit guarantee company is a professional organization which is responsible for the credit guarantee function of small and medium-sized enterprises. It can obtain economic and social benefits by lending its own credit resources and preventing and controlling the credit risk. However, the credit level of the whole industry is reduced due to the improper management and non-standard operation of the guarantee organization. The division of labor between the guarantee company and the bank in the process of the specific credit business is not clear, and the business cooperation mode in the aspect of risk sharing has not been established, which leads to the bottleneck of the business development of the bancassurance cooperation platform. As a result, the development of small and medium-sized enterprises credit business under the credit guarantee platform has been seriously hit. Therefore, it is very urgent and necessary to find the problems in the development of this kind of credit business and put forward corresponding solutions. At this stage, commercial banks mainly use SME credit guarantee to alleviate the financing difficulties of SMEs. Taking the Xi'an Branch of H Bank as an example, the composition of SME credit business, Under the credit guarantee, the SME credit business accounts for the absolute proportion of the total SME credit business. This paper mainly studies the current situation of the development of SME credit business under the credit guarantee of Xi'an Branch of H Bank and the bottleneck problems encountered in the rapid development of this kind of business, and finally puts forward the corresponding solutions. This paper studies the credit business of small and medium-sized enterprises under the credit guarantee of Xi'an Branch of H Bank by means of data analysis, case law, analogy and so on. Finally, it is proposed that the small and medium-sized enterprises' credit business under the credit guarantee of Xi'an Branch of H Bank need to break through the bottleneck to achieve rapid and healthy development: first of all, from including the industrial chain, growth, From the perspective of corporate social responsibility and entrepreneur's social, moral, financial and ecological environment, we should build and perfect a multi-dimensional evaluation system for small and medium-sized enterprises. Secondly, due to the healthy and sustainable development of the guarantee companies, With their own sufficient capital and compensatory capacity, standardized operation will effectively enhance the recognition of guarantee companies in the credit risk control requirements of banks. Therefore, banks should take the initiative to attack and strengthen the screening and evaluation of guarantee institutions. The establishment of the management system makes the credit guarantee platform develop healthily and continuously. Finally, the banks improve and improve their credit risk management level of SMEs under the guarantee company. On the one hand, it helps to reduce the probability of bad loans and losses, and at the same time, it helps to build a reasonable credit evaluation system for small and medium-sized enterprises.
【学位授予单位】：西北农林科技大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.4
本文编号：2275584
[Abstract]:Since the reform and opening up, small and medium-sized enterprises in China have been developing rapidly, which plays an important role in creating social wealth, absorbing employment and building a harmonious society, and has become an important force in the national economy. However, the problem of financing difficulties has been puzzling the development of small and medium-sized enterprises, and with the deterioration of the macroeconomic environment, it has become an important "bottleneck" restricting the healthy development of small and medium-sized enterprises. Credit guarantee company is a professional organization which is responsible for the credit guarantee function of small and medium-sized enterprises. It can obtain economic and social benefits by lending its own credit resources and preventing and controlling the credit risk. However, the credit level of the whole industry is reduced due to the improper management and non-standard operation of the guarantee organization. The division of labor between the guarantee company and the bank in the process of the specific credit business is not clear, and the business cooperation mode in the aspect of risk sharing has not been established, which leads to the bottleneck of the business development of the bancassurance cooperation platform. As a result, the development of small and medium-sized enterprises credit business under the credit guarantee platform has been seriously hit. Therefore, it is very urgent and necessary to find the problems in the development of this kind of credit business and put forward corresponding solutions. At this stage, commercial banks mainly use SME credit guarantee to alleviate the financing difficulties of SMEs. Taking the Xi'an Branch of H Bank as an example, the composition of SME credit business, Under the credit guarantee, the SME credit business accounts for the absolute proportion of the total SME credit business. This paper mainly studies the current situation of the development of SME credit business under the credit guarantee of Xi'an Branch of H Bank and the bottleneck problems encountered in the rapid development of this kind of business, and finally puts forward the corresponding solutions. This paper studies the credit business of small and medium-sized enterprises under the credit guarantee of Xi'an Branch of H Bank by means of data analysis, case law, analogy and so on. Finally, it is proposed that the small and medium-sized enterprises' credit business under the credit guarantee of Xi'an Branch of H Bank need to break through the bottleneck to achieve rapid and healthy development: first of all, from including the industrial chain, growth, From the perspective of corporate social responsibility and entrepreneur's social, moral, financial and ecological environment, we should build and perfect a multi-dimensional evaluation system for small and medium-sized enterprises. Secondly, due to the healthy and sustainable development of the guarantee companies, With their own sufficient capital and compensatory capacity, standardized operation will effectively enhance the recognition of guarantee companies in the credit risk control requirements of banks. Therefore, banks should take the initiative to attack and strengthen the screening and evaluation of guarantee institutions. The establishment of the management system makes the credit guarantee platform develop healthily and continuously. Finally, the banks improve and improve their credit risk management level of SMEs under the guarantee company. On the one hand, it helps to reduce the probability of bad loans and losses, and at the same time, it helps to build a reasonable credit evaluation system for small and medium-sized enterprises.
【学位授予单位】：西北农林科技大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.4
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