本文選題：溫州金融創(chuàng)新　切入點：小微企業(yè)金融服務　出處：《天津大學》2013年碩士論文　論文類型：學位論文

【摘要】：回首2011年，在我國銀根緊縮、小微企業(yè)銀行信貸困難、以及外貿(mào)出口受困等諸多因素的合力下，溫州爆發(fā)了民間借貸危機。 本文以美國戴維斯（S.Davies）、凱恩等提出的金融創(chuàng)新理論為基礎，詳細介紹溫州平安銀行在實施金融創(chuàng)新的過程，，根據(jù)金融創(chuàng)新的原理，經(jīng)過數(shù)據(jù)分析，從轉(zhuǎn)變經(jīng)營理念、:規(guī)范風險管理流程、建立約束機制、合理利用法律手段等多個方面提出了有效的金融監(jiān)管體系，通過對應收賬款加強控制，調(diào)整業(yè)績考核指標，加強客戶的信用調(diào)查和監(jiān)控，實行有效的資信管理與控制嚴格考核銷售部門。 本文提出溫州信貸危機的問題本質(zhì)，主要還是溫州經(jīng)濟整個供應鏈造成的社會信任危機、同時金融系統(tǒng)的僵化和監(jiān)管缺陷等內(nèi)因方面問題同時作用的結果。提出了我國金融監(jiān)管體制改革,應當重視金融創(chuàng)新與金融監(jiān)管兩者之間的互補關系、規(guī)范并鼓勵金融創(chuàng)新的發(fā)展的新觀點。在識別該企業(yè)在經(jīng)營中關于客戶管理的主要信用風險因素中剔除了一些傳統(tǒng)因素；在構建新的金融監(jiān)管模式和服務類型中剔除了一些傳統(tǒng)因素，并引入了一些溫州特色的參照因素。本文開辟了金融監(jiān)管中研究信用風險的新視角，由于更清晰地了解在信用風險管理的引入、制度建立及動態(tài)控制，在實施過程中使銀行在小微企業(yè)的服務競爭中得以實現(xiàn)及提高了競爭能力。
[Abstract]:Looking back on 2011, Wenzhou broke out a private lending crisis due to the combination of monetary tightening, credit difficulties of small and micro enterprises, and difficulties in export. Based on the theory of financial innovation put forward by Davis S. Davieser and Kane, this paper introduces the process of financial innovation in Wenzhou Ping an Bank in detail. According to the principle of financial innovation, it is analyzed by data. This paper puts forward an effective financial supervision system from the following aspects: standardizing the process of risk management, establishing a restraint mechanism, making rational use of legal means, and so on. Through strengthening the control of accounts receivable, adjusting the performance appraisal index, etc. Strengthen customer credit investigation and monitoring, implement effective credit management and control, strictly assess sales department. This paper points out that the essence of Wenzhou's credit crisis is mainly the crisis of social trust caused by the whole supply chain of Wenzhou economy. At the same time, it is the result of the simultaneous action of the internal causes such as the rigidity of the financial system and the regulatory defects. It is pointed out that the reform of the financial supervision system in China should attach importance to the complementary relationship between the financial innovation and the financial supervision. The new viewpoint of standardizing and encouraging the development of financial innovation. Some traditional factors have been eliminated from the identification of the main credit risk factors of customer management in the operation of the enterprise; Some traditional factors are eliminated in the construction of new financial supervision mode and service type, and some reference factors with Wenzhou characteristics are introduced. This paper opens up a new angle of view for the study of credit risk in financial supervision. Due to a clearer understanding of the introduction of credit risk management, system establishment and dynamic control, banks have been able to achieve and improve their competitive power in the service competition of small and micro enterprises in the process of implementation.
【學位授予單位】：天津大學
【學位級別】：碩士
【學位授予年份】：2013
【分類號】：F832.33

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