【摘要】：中小企業(yè)是我們國家經(jīng)濟發(fā)展的活躍力量,國家對促進中小企業(yè)的發(fā)展相繼出臺了許多政策,監(jiān)管機構(gòu)也強力推動中小企業(yè)的發(fā)展,但中小企業(yè)普遍存在融資困難的問題,一方面過度依賴企業(yè)自身積累的內(nèi)源性融資渠道,渠道狹窄,制約企業(yè)發(fā)展;另一方面,銀行等金融機構(gòu)對中小企業(yè)的信貸無法完全滿足,不能支撐其發(fā)展。因而,近年來各大商業(yè)銀行加大了中小企業(yè)授信業(yè)務(wù)的開發(fā)和管理,不僅為中小企業(yè)的發(fā)展提供資金支持,而且擴大了銀行自身的貸款業(yè)務(wù)量,為銀行增收。隨著中小企業(yè)在銀行總客戶業(yè)務(wù)中所占比重的逐年提高,中小企業(yè)授信風(fēng)險管理也變得尤為重要。近幾年來,在國家加大對中小企業(yè)扶持力度的宏觀環(huán)境背景下,銀行對中小企業(yè)的授信業(yè)務(wù)量也迅速擴大,銀行對中小企業(yè)授信風(fēng)險管理工作已開始面臨越來越大的壓力,要做到既支持中小企業(yè)發(fā)展,又能較好地控制風(fēng)險、規(guī)避風(fēng)險,還需要進行深入研究。在已有研究的基礎(chǔ)上,本文主要以浦發(fā)銀行長沙分行中小企業(yè)授信風(fēng)險管理為例,在分析商業(yè)銀行授信業(yè)務(wù)風(fēng)險管理的理論和實踐發(fā)展現(xiàn)狀的基礎(chǔ)上,結(jié)合浦發(fā)銀行長沙分行中小企業(yè)授信業(yè)務(wù)的特點,具體分析長沙分行中小企業(yè)授信業(yè)務(wù)的發(fā)展環(huán)境并闡述了目前的風(fēng)險管理方法。從中指出浦發(fā)銀行長沙分行在中小企業(yè)授信業(yè)務(wù)方面的問題及產(chǎn)生問題的原因,進而針對現(xiàn)有問題提出長沙分行中小企業(yè)授信風(fēng)險的改進方案,主要包括調(diào)整和優(yōu)化中小企業(yè)授信風(fēng)險管理架構(gòu)以及實施模板化和批量化管理的具體方案。另外,還提出了長沙分行中小企業(yè)授信風(fēng)險管理改進方案的實施,包括實施途徑和保證條件以及實施中可能遇到的問題及解決方案,從而系統(tǒng)全面的構(gòu)建浦發(fā)銀行長沙分行中小企業(yè)授信風(fēng)險管理改進體系。研究發(fā)現(xiàn),只有針對中小企業(yè)的具體特點和銀行的實際情況,在中小企業(yè)授信業(yè)務(wù)的風(fēng)險管理上通過合理的風(fēng)險管理模式及產(chǎn)品創(chuàng)新思路,從風(fēng)險識別、風(fēng)險評估到風(fēng)險控制逐級遞進地進行管理才能在加大對中小企業(yè)貸款扶持的同時有效的控制中小企業(yè)信貸業(yè)務(wù)的風(fēng)險。
[Abstract]:Small and medium-sized enterprises (SMEs) are the active forces of our country's economic development. The state has introduced many policies to promote the development of small and medium-sized enterprises. The regulatory agencies also strongly promote the development of small and medium-sized enterprises, but the problems of financing difficulties are common in small and medium-sized enterprises. On the one hand, over-reliance on the endogenous financing channels accumulated by the enterprise itself, the narrow channel of the channel, and the development of the enterprises; on the other hand, the credit of the financial institutions such as banks can not be fully met, and the development cannot be supported. Therefore, in recent years, major commercial banks have increased the development and management of the credit business of small and medium-sized enterprises, not only providing financial support for the development of small and medium-sized enterprises, but also expanding the bank's own loan business and increasing the bank's income. With the increase of the proportion of the small and medium-sized enterprises in the total customer service of the bank, the credit risk management of the small and medium-sized enterprises has become more and more important. In recent years, in the context of the macro-environment that the state has increased to support the small and medium-sized enterprises, the credit business of the bank to the small and medium-sized enterprises has also expanded rapidly, and the bank's credit risk management of the small and medium-sized enterprises has started to face more and more pressure, so as to support the development of small and medium-sized enterprises. But also can better control the risk, avoid the risk, and also need to carry out the in-depth study. On the basis of the existing research, this paper takes the credit risk management of the small and medium-sized enterprises of Changsha Branch of Pufa Bank as an example, and based on the analysis of the theory and practice development of the credit business risk management of commercial banks, this paper, in combination with the characteristics of the credit business of the small and medium-sized enterprises in Changsha Branch of Pufa Bank, This paper analyzes the development environment of the credit business of small and medium-sized enterprises in Changsha Branch, and expounds the current risk management method. The paper points out the problems and causes of the credit business of Changsha Branch of Pufa Bank in the small and medium-sized enterprises, and then puts forward the improvement scheme of the credit risk of the small and medium-sized enterprises of Changsha Branch in the light of the existing problems. It mainly includes adjusting and optimizing the credit risk management framework of the small and medium-sized enterprises, and implementing the specific scheme of template and batch management. In addition, the implementation of the improvement plan for credit risk management of small and medium-sized enterprises in Changsha Branch is also put forward, including the implementation approach and the guarantee condition and the problems and solutions that may be encountered in the implementation, so as to fully build the credit risk management improvement system of the small and medium-sized enterprises of Changsha Branch of Pufa Bank. The research has found that only for the specific characteristics of the small and medium-sized enterprises and the actual situation of the bank, the risk management of the credit business of the small and medium-sized enterprises through the reasonable risk management mode and the product innovation idea, from the risk identification, Risk assessment to risk control level-by-step management can effectively control the risk of small and medium-sized enterprises credit business while increasing the support for small and medium-sized enterprises.
【學(xué)位授予單位】：湖南大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2015
【分類號】：F832.4;F276.3

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