本文關鍵詞： 交通銀行 中小企業(yè) 聯(lián)保貸款 信用風險　出處：《中南大學》2013年碩士論文　論文類型：學位論文

【摘要】：摘要：聯(lián)保貸款制度能夠有效利用聯(lián)保小組成員之間的信息交換,實現(xiàn)規(guī)模經(jīng)濟、監(jiān)督便利和激勵有效等目的,能夠在一定程度上解決中小企業(yè)抵押物不足的融資難題,促進銀行中小企業(yè)信貸業(yè)務的快速發(fā)展,是一種雙贏的創(chuàng)新模式。但聯(lián)保貸款作為一種信貸產(chǎn)品,同樣存在各種風險,銀行在開展聯(lián)保貸款業(yè)務的過程中,必須嚴格設計聯(lián)保貸款制度,注重風險的防范和規(guī)避。 本文以交通銀行上海分行為研究對象,探討了交通銀行上海分行中小企業(yè)聯(lián)保貸款的風險控制問題。首先對有關中小企業(yè)聯(lián)保貸款風險控制的相關理論進行回顧,然后介紹了交通銀行上海分行中小企業(yè)聯(lián)保貸款業(yè)務現(xiàn)狀,并對其信貸風險進行了分析。隨后,針對交通銀行上海分行中小企業(yè)聯(lián)保貸款運作中的風險問題,設計了聯(lián)保貸款風險控制方案,并選取上海市汽車零配件制造行業(yè)聯(lián)保貸款的實例介紹了上海分行中小企業(yè)聯(lián)保貸款風險控制方案的具體實施流程。方案通過在早期聯(lián)保貸款模式上進行創(chuàng)新,包括完善實施流程和實行一系列保障措施,使得銀行的信貸風險降低。 本文對交通銀行上海分行中小企業(yè)聯(lián)保貸款的信用風險控制方案進行探索,旨在為交通銀行上海分行中小企業(yè)聯(lián)保貸款的信用風險控制提供現(xiàn)實指導,并為各商業(yè)銀行的聯(lián)保貸款產(chǎn)品運作乃至中小企業(yè)信貸的開展提供很好的借鑒。
[Abstract]:Abstract: the UNPROFOR loan system can make effective use of the exchange of information among the members of the UNPROFOR Group to achieve economies of scale, supervision facilities and effective incentives. To a certain extent, it is a win-win innovation mode to solve the financing problem of SMEs' mortgage shortage, and to promote the rapid development of bank's SMEs' credit business. However, as a credit product, UNPROFOR loan is a kind of credit product. There are also various kinds of risks. In the process of carrying out the business of UNPROFOR loan, banks must strictly design the system of UNPROFOR loans and pay attention to the prevention and avoidance of risks. This paper takes Bank of Communications Shanghai Branch as the research object. This paper discusses the risk control of small and medium sized enterprises (SMEs) in Shanghai Branch of Bank of Communications. Firstly, it reviews the related theories about the risk control of small and medium sized enterprises (SMEs). Then it introduces the current situation of the small and medium sized enterprises (SME) loan in Shanghai Branch of Bank of Communications, and analyzes its credit risk. Then, it analyzes the risk problems in the operation of the small and medium sized enterprises (SMEs) in the Shanghai Branch of the Bank of Communications. The risk control scheme of UNPROFOR loan is designed. And selected the Shanghai auto parts manufacturing industry UNPROFOR loan example to introduce the Shanghai branch small and medium-sized enterprise UNPROFOR loan risk control plan concrete implementation flow, the scheme through in the early stage UNPROFOR loan pattern carries on the innovation. Including improving the implementation process and implementing a series of safeguards to reduce the bank's credit risk. This paper probes into the credit risk control scheme of small and medium-sized enterprises in Shanghai Branch of Bank of Communications in order to provide practical guidance for the credit risk control of small and medium-sized enterprises in Shanghai Branch of Bank of Communications. It also provides a good reference for the operation of the commercial banks'UNPROFOR loan products and the development of the SME credit.
【學位授予單位】：中南大學
【學位級別】：碩士
【學位授予年份】：2013
【分類號】：F832.4

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