【摘要】：近年來,在我國經(jīng)濟(jì)發(fā)展過程中,小微企業(yè)的作用已經(jīng)得到了充分的體現(xiàn),與此同時(shí),小微企業(yè)在發(fā)展的過程之中遇到的融資難問題也受到了社會(huì)各界的關(guān)注。其中,銀行方面不能有效的識(shí)別和控制小微企業(yè)貸款中的風(fēng)險(xiǎn),進(jìn)而有及時(shí)有效地將貸款投到到小微企業(yè)當(dāng)中是其中的重要原因之一。中國民生銀行作為國內(nèi)第一家主要以民營資本成立的全國性商業(yè)銀行,在國內(nèi)銀行業(yè)中率先提出發(fā)展小微企業(yè)信貸戰(zhàn)略,并在幾年的時(shí)間里將小微業(yè)務(wù)做大做強(qiáng)。民生銀行長沙分行隨著小微企業(yè)信貸業(yè)務(wù)由高速發(fā)展轉(zhuǎn)入結(jié)構(gòu)調(diào)整階段,其小微信貸業(yè)務(wù)發(fā)展面臨新的風(fēng)險(xiǎn)和問題。本文以小微信貸風(fēng)險(xiǎn)管理理論為基礎(chǔ),從以下幾個(gè)方面對民生銀行長沙分行小微企業(yè)信貸現(xiàn)狀及風(fēng)險(xiǎn)控制進(jìn)行研究:首先,對長沙分行小微信貸業(yè)務(wù)發(fā)展歷程及面臨的風(fēng)險(xiǎn)進(jìn)行了分析;其次,分析了長沙分行小微信貸業(yè)務(wù)風(fēng)險(xiǎn)類型,包括由于中小型企業(yè)及其關(guān)聯(lián)企業(yè)陷入困難并產(chǎn)生連帶效應(yīng)導(dǎo)致的信用風(fēng)險(xiǎn)、由于貸款余額成倍增長引起的流動(dòng)風(fēng)險(xiǎn)、由于市場方或核心企業(yè)資金占用、挪用、聯(lián)保、互保模式集體違約引發(fā)的道德風(fēng)險(xiǎn)以及操作風(fēng)險(xiǎn)等。第三,從民生銀行長沙分行風(fēng)險(xiǎn)管理中的信貸準(zhǔn)入、開發(fā)模式、貸后風(fēng)險(xiǎn)等方面總結(jié)風(fēng)險(xiǎn)控制存在的問題,并對原因進(jìn)行分析。最后,本文針對長沙分行小微信貸業(yè)務(wù)所面臨的風(fēng)險(xiǎn)及風(fēng)險(xiǎn)管理存在問題,從完善信貸風(fēng)險(xiǎn)精細(xì)化管理、優(yōu)化信用擔(dān)保方式與信用評(píng)級(jí)、優(yōu)化小微信貸流程及配套管理機(jī)制、創(chuàng)新小微金融產(chǎn)品和服務(wù)、加強(qiáng)專業(yè)隊(duì)伍建設(shè)與優(yōu)化激勵(lì)機(jī)制等方面提出相關(guān)建議。民生銀行長沙分行小微信貸風(fēng)險(xiǎn)控制研究不僅為其在中小企業(yè)信貸業(yè)務(wù)發(fā)展與風(fēng)險(xiǎn)控制上提供了參考,而且對其他國內(nèi)商業(yè)銀行發(fā)展小微信貸業(yè)務(wù)提供了一定的借鑒意義。
[Abstract]:In recent years, in the process of economic development in China, the role of small and micro enterprises has been fully reflected, at the same time, the financing difficulties encountered by small and micro enterprises in the process of development have also been concerned by all walks of life. Among them, the bank can not effectively identify and control the risk in the small and micro enterprise loans, and then put the loans into the small and micro enterprises in a timely and effective manner is one of the important reasons. Minsheng Bank of China (Minsheng Bank), as the first national commercial bank mainly established with private capital, first put forward the development of small and micro enterprise credit strategy in the domestic banking industry, and made the small and micro business bigger and stronger in a few years. With the rapid development of small and micro enterprise credit business in Changsha branch of Minsheng Bank, the development of small and micro credit business is facing new risks and problems. Based on the theory of small and micro credit risk management, this paper studies the credit status and risk control of small and micro enterprises in Changsha Branch of Minsheng Bank from the following aspects: first, This paper analyzes the development course and the risk of the small and micro credit business in Changsha Branch. Secondly, it analyzes the risk types of the small and micro credit business in Changsha Branch. Including the credit risk caused by the difficulties of small and medium-sized enterprises and their associated enterprises, the liquidity risk caused by the doubling of the loan balance, the appropriation of funds by the market side or the core enterprise, and the diversion of funds by the market side or the core enterprise. Mutual insurance mode collective default caused by moral hazard and operational risk. Thirdly, the problems of risk control are summarized from the aspects of credit access, development model and post-loan risk in the risk management of Changsha Branch of Minsheng Bank, and the reasons are analyzed. Finally, aiming at the risk and risk management problems faced by the small and micro credit business of Changsha Branch, this paper aims at perfecting the fine management of credit risk, optimizing the credit guarantee mode and credit rating, optimizing the small and micro credit process and supporting management mechanism. Some suggestions are put forward, such as innovating microfinancial products and services, strengthening professional team building and optimizing incentive mechanism. The study on the risk control of small and micro credit in Changsha Branch of Minsheng Bank not only provides a reference for the development and risk control of small and medium-sized enterprises' credit business, but also provides certain reference significance for other domestic commercial banks to develop small and micro credit business.
【學(xué)位授予單位】：南華大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2015
【分類號(hào)】：F832.4

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