本文選題：民生銀行長沙分行　切入點(diǎn)：商貸通　出處：《湖南大學(xué)》2014年碩士論文

【摘要】：隨著我國金融市場的進(jìn)一步對外開放,國外銀行開始進(jìn)入我國金融市場,再加上國內(nèi)中小商業(yè)銀行及其他金融機(jī)構(gòu)的大量涌現(xiàn),我國商業(yè)銀行面臨著空前激烈的市場競爭。數(shù)量有限的大企業(yè)客戶顯然已經(jīng)不能滿足我國商業(yè)銀行發(fā)展的需要,與此同時(shí),小微企業(yè)客戶市場卻日益繁榮,逐漸成為商業(yè)銀行新的利潤增長點(diǎn),因此,我國商業(yè)銀行紛紛將推出小微企業(yè)信貸業(yè)務(wù)。然而,針對新的業(yè)務(wù)市場,針對新的貸款對象,小微企業(yè)由于本身的特點(diǎn),其貸款風(fēng)險(xiǎn)居高不下。近年來頻頻發(fā)生的金融大案告誡我們,國內(nèi)商業(yè)銀行的小微企業(yè)貨款風(fēng)險(xiǎn)形式嚴(yán)峻、不容樂觀,加強(qiáng)操作風(fēng)險(xiǎn)管理顯得尤為迫切和重要,這無疑增加了我國商業(yè)銀行加強(qiáng)貸款風(fēng)險(xiǎn)管理的緊迫性。本文以民生銀行長沙分行從事小微企業(yè)貸款產(chǎn)品商貸通為研究對象,首先對小微企業(yè)、貸款風(fēng)險(xiǎn)等相關(guān)概念進(jìn)行了界定,對商業(yè)銀行小微企業(yè)貸款風(fēng)險(xiǎn)類別、小微企業(yè)貸款風(fēng)險(xiǎn)管理體系、貸款風(fēng)險(xiǎn)控制方法等進(jìn)行了綜述,總結(jié)出了我國銀行放貸難與中小企業(yè)貸款難的兩難局面。接著對民生銀行長沙分行進(jìn)行了簡介,對商貸通產(chǎn)品、辦理流程及條件、金額及期限等進(jìn)行了介紹,并對民生銀行商貸通的業(yè)務(wù)現(xiàn)狀,風(fēng)險(xiǎn)控制現(xiàn)狀進(jìn)行了回顧,總結(jié)出了商貸通風(fēng)險(xiǎn)管理中存在的問題。在此基礎(chǔ)上,明確了民生銀行長沙分行商貸通風(fēng)險(xiǎn)控制設(shè)計(jì)的原則,從商戶集群與單個(gè)商戶兩個(gè)角度分析對貸前調(diào)查階段——貸中審查階段——貸后檢查階段的風(fēng)險(xiǎn)控制方案進(jìn)行了詳細(xì)的設(shè)計(jì),并提出民生銀行長沙分行商貸通風(fēng)險(xiǎn)控制方案的實(shí)施保障,包括文化保障、組織保障、考核保障等。貸款三查是風(fēng)險(xiǎn)管理中的重要控制環(huán)節(jié),本文的重點(diǎn)也體現(xiàn)在貸前調(diào)查、貸中審查、貸后檢查。貸前調(diào)查特色體現(xiàn)在規(guī)劃制導(dǎo),這與當(dāng)前大多數(shù)銀行業(yè)授信業(yè)務(wù)存在著較大差異,銀行業(yè)通常將風(fēng)險(xiǎn)管理的重心放在單戶審查環(huán)節(jié),而該方案將第一風(fēng)險(xiǎn)控制環(huán)節(jié)放在規(guī)劃制定過程中,即批量開發(fā)的前端,同時(shí)也將規(guī)劃制定責(zé)任人納入嚴(yán)格的考核體系中;貸中審查環(huán)節(jié)相對于傳統(tǒng)銀行業(yè)風(fēng)險(xiǎn)管理有了一定的弱化,重點(diǎn)審查單戶是否符合規(guī)劃準(zhǔn)入,而貸款額度與貸款期限等內(nèi)容利用數(shù)據(jù)化工具進(jìn)行試算,從而減少人為因素干擾,弱化因?qū)彶槿藛T的個(gè)性差異導(dǎo)致審查結(jié)果出現(xiàn)較大偏差;強(qiáng)化貸后檢查的重要性,設(shè)計(jì)了貸后檢查流程化的實(shí)施方案,并對貸后檢查各個(gè)環(huán)節(jié)責(zé)任人進(jìn)行明確,納入嚴(yán)格的考核體系,不同于傳統(tǒng)銀行業(yè)普遍存在的重貸輕管理念。該風(fēng)險(xiǎn)控制方案設(shè)計(jì)重點(diǎn)在兩端,即貸前調(diào)查與貸后檢查,反而弱化了大多數(shù)銀行當(dāng)前重點(diǎn)關(guān)注的單戶貸款審查環(huán)節(jié),審查崗位人員的工作重心實(shí)質(zhì)上是前移到了貸前調(diào)查環(huán)節(jié),尤其是在商戶批量授信方案的規(guī)劃制定環(huán)節(jié),使單戶貸款的審查效率得到大幅度提高,采用數(shù)據(jù)化理念進(jìn)行額度試算。為保障該方案的實(shí)施效果,在考核設(shè)計(jì)對傳統(tǒng)銀行業(yè)的考核模式進(jìn)行了較大變動(dòng),將傳統(tǒng)銀行業(yè)的業(yè)務(wù)推動(dòng)部門納入到風(fēng)險(xiǎn)管理考核體系中。小微金融部在傳統(tǒng)銀行業(yè)的理念中應(yīng)按照業(yè)務(wù)發(fā)展規(guī)模進(jìn)行考核,而本方案設(shè)計(jì)使小微金融部不僅需要關(guān)注業(yè)務(wù)發(fā)展規(guī)模,也需要在前端推動(dòng)業(yè)務(wù)發(fā)展,規(guī)劃制定過程中更多關(guān)注風(fēng)險(xiǎn)管理要求,減少了業(yè)務(wù)推動(dòng)部門與風(fēng)險(xiǎn)管理部門之間可能存在的矛盾。希望通過本文的研究幫助民生銀行長沙分行管理層確立正確的商貸通風(fēng)險(xiǎn)管理指導(dǎo)思想,為民生銀行長沙分行制定具體的商貸通風(fēng)險(xiǎn)管理制度提供幫助,從而實(shí)現(xiàn)民生銀行長沙分行與小微企業(yè)的“雙贏”。
[Abstract]:With the further opening up of China's financial market, foreign banks began to enter China's financial market, coupled with the emergence of a large number of domestic small and medium-sized commercial banks and other financial institutions, commercial banks in China are facing unprecedented fierce competition in the market. Large enterprises limited number of customers has apparently unable to meet the needs of the development of China's commercial banks at the same time, Small and micro businesses customer market has become increasingly prosperous, has gradually become a new profit growth point of commercial banks, therefore, China's commercial banks have launched Small and micro businesses credit business. However, in view of the new business market for new loans, Small and micro businesses because of its own characteristics, the loan risk is high in recent years. To the frequent occurrence of the financial case tells us that the domestic commercial bank loan risk Small and micro businesses form of grim, is not optimistic, management will become more necessary to strengthen the operational risk Cut and important, which undoubtedly increases the urgency of strengthening the credit risk management of commercial banks in China. In this paper, the Minsheng Bank branch in Changsha Small and micro businesses loan business loan products as the research object, firstly, Small and micro businesses, credit risk and other related concepts are defined, the commercial bank loan risk categories Small and micro businesses the loan risk management system, Small and micro businesses, credit risk control methods were reviewed and summed up the dilemma of China's bank lending to SME loans. Then makes a brief introduction to the Minsheng Bank branch of Changsha, business loan products, procedures and conditions, amount and duration are introduced in this paper. The present situation and the business of Minsheng Bank business loan risk control, reviewed the status quo, summed up the business loan risk management problems. On this basis, the Minsheng Bank Changsha branch business loan Risk control design principle, from two angles of business clusters and individual businesses of the loan before the survey stage, loan review stage - risk control scheme after inspection stage are designed in detail, and the implementation of the protection of Minsheng Bank Changsha branch business loan risk control scheme, including cultural guarantee, organization guarantee. Security assessment. Three check loan is an important control link in the risk management, the focus of this paper is also reflected in the pre loan investigation, loan review, loan after the inspection. The loan before the survey characteristics reflected in the planning guidance, there is a big difference with most of the current number of banking credit business, banks generally will be the focus of risk management on the single family review links, and the program will be the first link of risk control in the process of planning, namely front-end batch development, and will also be planning responsibility into strict examination System; credit risk management review link relative to the traditional banking industry had a certain weakening, the focus of the review is consistent with single family planning and the use of access, the loan amount and loan term content data tool for calculation, thus reducing the interference of human factors, the weakening of personality differences due to censorship to review the results of deviation; the importance of strengthening the loan after the inspection, the inspection process implementation plan is designed after the loan, and the loan after the inspection of each link of responsibility clear, in the strict examination system, different from the traditional banking universal heavy light tube. The concept of loan risk control scheme design focuses on both ends, namely pre loan investigation and after inspection, but the weakening of most banks focus on the single family loan review links, focus on the substantive examination personnel is forward to the loan before the survey link, Especially in the business making process batch credit program planning, the single family loan review efficiency has been greatly improved, the concept of data amount calculation. To ensure the implementation effect of the scheme and design of the traditional banking assessment model in the assessment of a larger change, the traditional banking sector in promoting business to the evaluation of the risk management system of small micro finance department should conduct assessment in accordance with the scale of development in the traditional banking business philosophy, and the design of the micro finance ministry not only need to focus on business development scale, it is necessary to promote business development in the end, risk management requires more attention in the process of planning, reduce business between the Department and the Department of risk management to promote the possible contradictions. Hope that through this study to help Changsha Minsheng Bank branch management to establish the correct business loan risk The guiding ideology is to provide help for Changsha branch of Minsheng Bank to develop a specific business credit risk management system, so as to achieve "win-win" between Minsheng Bank Changsha branch and small and micro businesses.

【學(xué)位授予單位】：湖南大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類號(hào)】：F832.4

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