本文關鍵詞：哈爾濱銀行小企業(yè)信貸風險管理存在的問題和對策研究　出處：《哈爾濱工業(yè)大學》2012年碩士論文　論文類型：學位論文

  更多相關文章： 小企業(yè) 信貸 風險管理

【摘要】：隨著我國經濟快速發(fā)展，小企業(yè)作為經濟增長和拉動就業(yè)的主要推動力量之一，在我國經濟社會中所處的地位日趨重要，隨之而來的，小企業(yè)融資難問題也受到社會各界的廣泛關注。與大型企業(yè)相比，小企業(yè)具有財務管理不規(guī)范、經營規(guī)模較小、抗風險能力差等特點，這就要求商業(yè)銀行研究小企業(yè)信貸業(yè)務風險控制，，建立起一整套風險控制體系，既要適合小企業(yè)的經營特點，也必須遵循信貸風險管理的原則，以保證業(yè)務的正常開展，即為小企業(yè)發(fā)展提供資金支持，又使銀行分散資金風險，提高銀行的競爭力。本文主要研究作為城市商業(yè)銀行的哈爾濱銀行如何針對小企業(yè)信貸進行風險控制。 本文首先對目前小企業(yè)信貸業(yè)務國內外的研究現狀進行了分析，結合小企業(yè)的特點指出存在小企業(yè)融資難合小企業(yè)信貸業(yè)務的風險特點，其次通過對哈爾濱銀行發(fā)展小企業(yè)信貸業(yè)務的內外部環(huán)境以及發(fā)展現狀的分析，找出哈爾濱銀行在小企業(yè)信貸風險管理中存在的問題和產生的原因，主要包括：缺乏小企業(yè)信貸風險計量體系和風險預警機制、沒有形成標準化的流程作業(yè)、小企業(yè)信貸信息系統(tǒng)薄弱、授信審批缺乏獨立性等。最后針對哈爾濱銀行小企業(yè)信貸風險管理中存在的問題，本文提出了具體的對策和建議，主要包括：建立和完善小企業(yè)信貸風險管理控制體系，完善審批機制和風險管理制度，完善貸后管理和風險預警機制，加強團隊建設，建立小企業(yè)信貸風險管理文化。
[Abstract]:With the rapid economic development of our country, as one of the main driving forces of economic growth and employment, small enterprises play an increasingly important role in our economic society, followed by. Compared with large enterprises, small enterprises have the characteristics of non-standard financial management, small scale of operation, poor ability to resist risks and so on. This requires commercial banks to study the risk control of small enterprises' credit business, and establish a set of risk control system, which should be suitable for the management characteristics of small enterprises, but also must follow the principles of credit risk management. In order to ensure the normal development of business, that is, to provide financial support for the development of small enterprises, and make banks disperse the risk of capital. This paper mainly studies how Harbin Bank, as a city commercial bank, can control the risk of small enterprise credit. Firstly, this paper analyzes the current domestic and international research status of small enterprise credit business, and points out the risk characteristics of small enterprise financing difficult to match small enterprise credit business in combination with the characteristics of small enterprise. Secondly, through the analysis of the internal and external environment and the current situation of the development of the small enterprise credit business in Harbin Bank, we find out the problems and causes of the Harbin Bank in the small enterprise credit risk management. Mainly include: lack of small enterprise credit risk measurement system and risk warning mechanism, there is no standardized process operation, small enterprise credit information system is weak. The lack of independence of credit approval and so on. Finally, aiming at the problems existing in the credit risk management of Harbin Bank small enterprises, this paper puts forward the specific countermeasures and suggestions. Mainly include: establish and perfect the small enterprise credit risk management control system, perfect the examination and approval mechanism and the risk management system, perfect the post-loan management and risk early warning mechanism, strengthen the team building. Establish a small business credit risk management culture.
【學位授予單位】：哈爾濱工業(yè)大學
【學位級別】：碩士
【學位授予年份】：2012
【分類號】：F832.4

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