本文選題：小微企業(yè)　切入點(diǎn)：信貸　出處：《山東理工大學(xué)》2016年碩士論文

【摘要】：小微企業(yè)以強(qiáng)勁的姿態(tài)迅速成為境內(nèi)經(jīng)濟(jì)發(fā)展的活力源泉之一,其數(shù)量現(xiàn)今已占據(jù)境內(nèi)企業(yè)全數(shù)的比值超出了95%,小微企業(yè)包羅著各行各業(yè)的新生力量及不同地區(qū)的經(jīng)濟(jì)潛能,其以優(yōu)化就業(yè)格局、完善經(jīng)濟(jì)騰飛、保證科技革新及和諧社會(huì)關(guān)系等方面激發(fā)了無數(shù)潛能并形成正能量,由此小微企業(yè)的高速發(fā)展對經(jīng)濟(jì)可持續(xù)與社會(huì)更穩(wěn)定有著極其重要的戰(zhàn)略價(jià)值。但與小微企業(yè)的正面積極作用相比,本身存有的發(fā)展窘境如無法實(shí)現(xiàn)多渠道、多策略融資已成為束縛其發(fā)展的長期問題。境內(nèi)商業(yè)銀行在外界白熱化競爭與內(nèi)部盈利極限化的雙重影響下,相繼加大以小微企業(yè)為服務(wù)對象的金融支持投放,以試圖突破目前業(yè)務(wù)的局限而完成轉(zhuǎn)型。但完成這一目標(biāo)首要的阻礙即為小微企業(yè)信貸引致過多不確定的風(fēng)險(xiǎn),商業(yè)銀行在該類風(fēng)險(xiǎn)評判方面的實(shí)力缺失使得商業(yè)銀行很難抓住小微企業(yè)信貸這一轉(zhuǎn)型關(guān)鍵業(yè)務(wù)而實(shí)現(xiàn)大發(fā)展。鑒于現(xiàn)實(shí),ZBNH銀行作為銀行等金融機(jī)構(gòu)的一個(gè)代表,一定要提升小微企業(yè)信貸風(fēng)險(xiǎn)管理的針對性、科學(xué)性與持續(xù)性,只有為小微企業(yè)客戶提供市場化、差異化的融資需求,方能活化金融資源,促進(jìn)業(yè)務(wù)騰飛,創(chuàng)新服務(wù)覆蓋面。本文以文獻(xiàn)分析法作為理論要點(diǎn)研究方法,以模糊綜合評判法作為ZBNH銀行實(shí)證研究方法,就如下思路來完成本次研究:首先闡釋理論關(guān)鍵點(diǎn),以簡要介紹小微企業(yè)、信貸風(fēng)險(xiǎn)、風(fēng)險(xiǎn)管理概念界定出發(fā),就小微企業(yè)信貸風(fēng)險(xiǎn)的類別、特征進(jìn)行概略性說明。隨之則就委托代理理論、信息不對稱理論、企業(yè)生命周期理論等銀行業(yè)管理小微企業(yè)信貸風(fēng)險(xiǎn)必須的理論條件及風(fēng)險(xiǎn)評價(jià)所需方法施以論述;其次則設(shè)定ZBNH銀行為本次從事該方面研究的案例樣本,經(jīng)由貸前、貸中、貸后等階段性分析掌握其小微企業(yè)信貸風(fēng)險(xiǎn)管理現(xiàn)狀。隨之同樣強(qiáng)調(diào)信貸的三個(gè)階段來分析其現(xiàn)存問題及形成緣由;隨之對ZBNH銀行小微企業(yè)信用風(fēng)險(xiǎn)在遵從系統(tǒng)性、科學(xué)性、可操作性等原則基礎(chǔ)上,選擇定量及定性指標(biāo)以評價(jià)各類暗藏風(fēng)險(xiǎn),并以此評價(jià)體系進(jìn)行實(shí)例論釋;研究最后則針對前方分析的貸前、貸中、貸后留存的各項(xiàng)問題提出有針對性的風(fēng)險(xiǎn)管理建議,即為確保評價(jià)體系得以順利實(shí)施,提出有針對性的小微企業(yè)信貸風(fēng)險(xiǎn)管理建議,即要抓緊這幾層次的工作以落實(shí):完善貸前資信評級體系、強(qiáng)化貸中動(dòng)態(tài)分析管理、切實(shí)做好貸后管理與監(jiān)測。最終則總結(jié)研究結(jié)論并展望未來研究發(fā)展走勢。
[Abstract]:Small and micro enterprises have rapidly become one of the sources of vitality for domestic economic development with a strong posture. Their number has now exceeded 95% of the total number of domestic enterprises. Small and micro enterprises include the new forces of various industries and the economic potential of different regions.In order to optimize the pattern of employment, improve the economic take-off, ensure scientific and technological innovation and harmonious social relations, etc., it has inspired countless potentials and formed positive energy.Therefore, the high-speed development of small and micro-enterprises is of great strategic value to economic sustainability and social stability.However, compared with the positive effect of small and micro enterprises, if the development dilemma can not be realized, multi-strategy financing has become a long-term problem that constrains the development of small and micro enterprises.Under the dual influence of intense competition and internal profit limit, domestic commercial banks have increased their financial support to small and micro enterprises, in order to break through the limitations of the current business and complete the transformation.But the primary obstacle to achieving this goal is the risk of too much uncertainty arising from credit for small and micro enterprises,The lack of strength of commercial banks in this kind of risk evaluation makes it difficult for commercial banks to grasp the key business of small and micro enterprise credit transformation and achieve great development.In view of the fact that ZBNH Bank, as a representative of banks and other financial institutions, must enhance the pertinence, scientificity and sustainability of credit risk management in small and micro enterprises, it is only necessary to provide market-oriented and differentiated financing needs for small and micro enterprise customers.Only then can activate the financial resources, promotes the business to take off, the innovation service coverage.This paper takes the literature analysis method as the main theoretical research method, the fuzzy comprehensive evaluation method as the ZBNH bank empirical research method, completes this research on the following train of thought: first, explains the theory key point, in order to briefly introduces the small and micro enterprise, the credit risk,Based on the definition of risk management concept, this paper gives a brief description of the types and characteristics of credit risk in small and micro enterprises.Then it discusses the necessary theoretical conditions and methods of risk evaluation in banking industry such as principal-agent theory, information asymmetry theory, enterprise life cycle theory and so on.Secondly, ZBNH Bank is set up as the case sample of this research, and the present situation of credit risk management of small and micro enterprises is grasped through stage analysis before, during and after lending.It also emphasizes the three stages of credit to analyze its existing problems and the reasons for its formation. Then, on the basis of following the principles of systematicness, scientificalness and maneuverability, the credit risk of small and micro enterprises in ZBNH Bank is followed.Select quantitative and qualitative indicators to evaluate all kinds of hidden risks, and use the evaluation system to carry out case study. Finally, the paper puts forward some specific risk management suggestions for the problems before, after, and after loan in the forward analysis.That is, in order to ensure the smooth implementation of the evaluation system, put forward targeted small and micro enterprises credit risk management proposals, that is, we should pay close attention to these levels of work in order to implement: improve the credit rating system before loans, strengthen the dynamic analysis management in loans,Do a good job of loan management and monitoring.Finally, the conclusion of the study is summarized and the trend of future research is prospected.
【學(xué)位授予單位】：山東理工大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2016
【分類號】：F832.4

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1 周婭萍;ZBNH銀行小微企業(yè)信貸風(fēng)險(xiǎn)管理研究[D];山東理工大學(xué);2016年

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本文編號：1713399