本文選題：民生銀行 + 小微企業(yè)��； 參考：《長沙理工大學》2014年碩士論文

【摘要】：在“全面深化改革”和“金融脫媒”的時代背景下,小微貸款業(yè)務(wù)以破竹之勢成為我國商業(yè)銀行戰(zhàn)略轉(zhuǎn)型大潮中的一匹黑馬。隨著小微貸款業(yè)務(wù)逐步擴張,商業(yè)銀行積極拓展新的利潤點,國內(nèi)小微企業(yè)的“融資難”問題得以緩解,政府的扶持政策初見成效,實現(xiàn)了銀、企、政暫時的“共贏”局面。然而,小微企業(yè)自身缺陷、市場環(huán)境不穩(wěn)定、銀行重貸輕管、產(chǎn)品同質(zhì)性嚴重等因素阻礙了小微的貸款業(yè)務(wù)的健康發(fā)展,小微貸款的“質(zhì)”隨著“量”的增加而下降,持續(xù)上升的貸款風險已然是影響銀行生存和發(fā)展的巨大威脅。如何構(gòu)建和優(yōu)化小微貸款風險管理成為了各大商業(yè)銀行關(guān)注的焦點問題,也是本文研究的中心問題。本文的創(chuàng)新點在于兼具理論啟迪和實踐導(dǎo)向的雙重意義。在理論方面,本文以商業(yè)銀行戰(zhàn)略轉(zhuǎn)型為背景,立足于前人研究和信息不對稱、信貸配給、企業(yè)生命周期三大理論基石,從小微企業(yè)及小微貸款的界定和特點出發(fā),探索小微貸款風險的內(nèi)涵,層層剖析小微貸款風險管理的目標和內(nèi)容。在實踐方面,本文采用文獻研究法和案例分析法,以民生銀行的“商貸通”業(yè)務(wù)為研究樣本,描述民生銀行小微貸款業(yè)務(wù)及小微貸款風險管理存在的問題,并從風險管理的角度分析其原因。在理論研究和案例分析的基礎(chǔ)上,本文試圖從民生銀行自身找到突破口,提出重塑基于風險意識的風險管理機制、合理設(shè)立門檻、完善小微貸款信用評級和定價機制、構(gòu)建動態(tài)的風險預(yù)警和防范系統(tǒng)等對策,為實現(xiàn)小微貸款業(yè)務(wù)又好又快發(fā)展提供借鑒。
[Abstract]:Under the background of "comprehensively deepening the reform" and "financial disintermediation", small and micro-loan business has become a black horse in the tide of strategic transformation of commercial banks in China. With the gradual expansion of the small and micro loan business, the commercial banks actively expand the new profit point, the domestic small and micro enterprises'"financing difficulty" problem can be alleviated, the government's supporting policy is beginning to bear fruit, has realized the silver, the enterprise, the government temporarily "the win-win" situation. However, the defects of the small and micro enterprises, the unstable market environment, the heavy lending and the serious homogeneity of the products hinder the healthy development of the small and micro loan business, and the "quality" of the small and micro loans decreases with the increase of the "quantity". Rising lending risk is already a huge threat to the survival and development of banks. How to construct and optimize the risk management of small and micro loans has become the focus of attention of commercial banks, and it is also the central issue of this paper. The innovation of this paper lies in the dual significance of both theoretical enlightenment and practical guidance. In theory, this paper takes the strategic transformation of commercial banks as the background, based on the previous studies and three theoretical cornerstones of asymmetric information, credit rationing, and enterprise life cycle, starting from the definition and characteristics of small and micro enterprises and small and micro loans. This paper probes into the connotation of the risk of small and micro loans, and analyzes the objectives and contents of risk management of small and micro loans. In practice, this article uses the literature research method and the case analysis method, taking the Minsheng Bank's "commercial loan" business as the research sample, describes the Minsheng Bank's small and micro loan business and the small and micro loan risk management existence question. And analyze its reason from the angle of risk management. On the basis of theoretical research and case analysis, this paper attempts to find a breakthrough from Minsheng Bank itself, and puts forward the idea of reinventing the risk management mechanism based on risk awareness, setting up a reasonable threshold, and perfecting the credit rating and pricing mechanism of small and micro loans. Constructing dynamic risk early warning and prevention system provides a reference for the realization of small and micro-loan business good and fast development.
【學位授予單位】：長沙理工大學
【學位級別】：碩士
【學位授予年份】：2014
【分類號】：F832.4

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