F银行小微企业信贷模式创新与风险管理探析

发布时间：2019-07-05 17:34

【摘要】：大力发展与创新小微企业信贷业务,有效管理风险,在我国经济快速发展的现阶段意义重大。目前我国政府非常重视对小微企业的扶持,原因在于小微企业对国民经济的重要性,小微企业在经济总量中占有重要的体量,增加政府财政收入和促进科技创新都具有无可替代的作用,特别是增加就业机会方面,小微企业扮演着举足轻重的角色,为社会稳定做出了巨大贡献。我国小微企业占全国企业总数的90%以上,提供了近85%的就业岗位,对GDP的贡献度达到60%,小微企业的健康发展对整个国民经济的发展具有深远的现实意义。然而,小微企业融资难依然存在,融资缺口巨大、直接融资渠道狭窄,间接融资成本过高的问题仍然困扰着高速发展的小微企业群体。就银行而言,加大对小微企业的信贷支持可以抢占市场先机,进行差异化经营,提升自身核心竞争力。作为地方性商业银行因为受资本金的约束,在对机构客户、集团客户的营销过程中与国有商业银行的竞争明显处于劣势。而地方性商业银行往往网点众多,客户基础较好,加大对当地小微企业的信贷支持可以回馈社会,改善当地就业环境,促进当地经济发展,提升银行整体形象,同时可以分散风险,提高资本回报率。因此,为了体现地方性商业银行依靠地方、服务地方的定位,提出符合云南地方性地域特色的小微企业信贷模式及风险管理的建议,对于地方性商业银行的发展具有现实意义。本文站在商业银行的角度,对小微企业信贷的发展现状、基本概念、流程等方面做出介绍,对比国内外小微企业信贷模式及风险控制的研究,提出了符合F银行创新模式及风险管理的意见。本文也特别强调实际操作的可行性,结合云南省地方特点,提出了小微企业信贷模式创新意见,希望可以实现银企共赢,打造F银行小微企业信贷品牌。
[Abstract]:It is of great significance to develop and innovate the credit business of small and micro enterprises and manage the risk effectively at the present stage of the rapid economic development of our country. At present, our government attaches great importance to the support of small and micro enterprises, because of the importance of small and micro enterprises to the national economy, small and micro enterprises occupy an important volume in the total economic volume, increasing government revenue and promoting scientific and technological innovation play an irreplaceable role, especially in increasing employment opportunities, small and micro enterprises play an important role and make great contributions to social stability. Small and micro enterprises in China account for more than 90% of the total number of enterprises in China, providing nearly 85% of the jobs and contributing 60% to GDP. The healthy development of small and micro enterprises is of far-reaching practical significance to the development of the whole national economy. However, the financing difficulties of small and micro enterprises still exist, the financing gap is huge, the direct financing channels are narrow, and the indirect financing cost is too high, which still puzzles the rapid development of small and micro enterprises. As far as banks are concerned, increasing credit support for small and micro enterprises can seize the market first, carry out differentiated management, and enhance their core competitiveness. As a local commercial bank restricted by capital, the competition with state-owned commercial banks in the marketing process of institutional customers and group customers is obviously at a disadvantage. However, local commercial banks often have many outlets and a good customer base. Increasing credit support for local small and micro enterprises can give back to the society, improve the local employment environment, promote the development of the local economy, enhance the overall image of the bank, at the same time, it can spread the risk and improve the rate of return on capital. Therefore, in order to reflect the position of local commercial banks relying on local and serving places, this paper puts forward some suggestions on credit model and risk management of small and micro enterprises in accordance with the local regional characteristics of Yunnan, which is of practical significance for the development of local commercial banks. From the point of view of commercial banks, this paper introduces the development status, basic concepts and processes of small and micro enterprise credit, compares the research on credit model and risk control of small and micro enterprises at home and abroad, and puts forward some suggestions in line with F bank innovation model and risk management. This paper also emphasizes the feasibility of practical operation, combined with the local characteristics of Yunnan Province, puts forward some suggestions on the innovation of credit model of small and micro enterprises, hoping to achieve win-win between banks and enterprises and build the credit brand of F bank small and micro enterprises.
【学位授予单位】：云南大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.4

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