本文關(guān)鍵詞：郵儲銀行撫順分行婦女貼息小額貸款風(fēng)險管理研究　出處：《吉林大學(xué)》2017年碩士論文　論文類型：學(xué)位論文

  更多相關(guān)文章： 婦女貼息 小額貸款 風(fēng)險管理

【摘要】：本篇論文通過郵儲銀行撫順市分行與政府各級機構(gòu)合作開展的婦女貼息小額貸款為實例,通過文獻檢索和理論結(jié)合案例的研究方法,闡述如何探索出一條從初期合作、貸款調(diào)查、審查審批、簽約放款到貸后管理的全流程風(fēng)險管理模式,并采用嚴(yán)格審慎的風(fēng)險管理方法,綜合性地提出郵儲銀行撫順分行婦女貼息小額貸款項目的改進方案,并對如何降低風(fēng)險水平、完善項目的風(fēng)險管理方法進行研究。文章一共分四個章節(jié),第1章簡要指出本篇論文選題的背景、意義和研究方法。首先對婦女貼息小額貸款業(yè)務(wù)的開辦和發(fā)展簡要介紹,再歸納出婦女貼息小額貸款風(fēng)險防控的重要意義;其后對近年來國際及國內(nèi)小額貸款業(yè)務(wù)研究的文獻進行總結(jié)歸納,梳理國外、國內(nèi)學(xué)者對小額貸款業(yè)務(wù)領(lǐng)域尤其是婦女貼息小額貸款業(yè)務(wù)領(lǐng)域的研究成果。第2章內(nèi)容介紹郵儲銀行撫順分行婦女貼息小額貸款業(yè)務(wù)主要風(fēng)險識別,分為三個層面,第一層介紹了婦女貼息小額貸款業(yè)務(wù)在我國的發(fā)展歷程,其中重點介紹了婦女貼息小額貸款在郵儲銀行撫順分行的辦理流程,通過簡介撫順市撫順縣下轄鄉(xiāng)鎮(zhèn)及撫順市新?lián)釁^(qū)的貸款風(fēng)險案例,總結(jié)出不同層面上的貸款風(fēng)險現(xiàn)狀如道德風(fēng)險、信用風(fēng)險、操作風(fēng)險等,并對這幾類風(fēng)險的成因進行簡要分析。第3章從宏觀角度深入介紹郵儲銀行婦女貼息小額貸款業(yè)務(wù)的風(fēng)險成因,主要概括為三點,一是失業(yè)婦女扶持政策不完善,表現(xiàn)在郵儲銀行對借款人婦女的就業(yè)創(chuàng)業(yè)培訓(xùn)工作及政策引導(dǎo)上工作不到位,二是項目參與主體認(rèn)識存在偏差,表現(xiàn)為各個級別的工作人員對這項業(yè)務(wù)的認(rèn)知還不到位,三是這項業(yè)務(wù)的產(chǎn)品設(shè)計和流程設(shè)計還存在缺陷,綜合這三點原因,是郵儲銀行撫順分行婦女貼息小額貸款業(yè)務(wù)風(fēng)險產(chǎn)生的根源。第4章介紹郵儲銀行撫順分行婦女貼息小額貸款業(yè)務(wù)風(fēng)險控制措施,主要分為四點,一是要完善郵儲銀行對下崗婦女扶持政策和征信體系的建設(shè),二是改善對婦女貼息小額貸款業(yè)務(wù)的整體設(shè)計,三是完善郵儲銀行撫順分行婦女貼息小額貸款風(fēng)險預(yù)警機制,四是強化非銀行部門對這項業(yè)務(wù)的風(fēng)險控制和擔(dān)保效果。通過這四項措施,希望可以對郵儲銀行撫順分行婦女貼息小額貸款項目的風(fēng)險管理工作有所裨益,使銀行發(fā)展更上一層樓。
[Abstract]:This paper through the postal savings bank Fushun branch and government agencies at all levels of cooperation to carry out small loans for women as an example, through literature retrieval and theory combined with the case study method. This paper expounds how to explore a whole process risk management model from initial cooperation, loan investigation, examination and approval, contract loan to post-loan management, and adopt strict and prudent risk management method. Comprehensively put forward the postal savings bank Fushun branch women interest discount micro-credit project improvement program, and how to reduce the risk level, improve the project risk management methods. The article is divided into four chapters. Chapter 1 briefly points out the background, significance and research methods of this thesis. Firstly, it briefly introduces the establishment and development of women's discount micro-credit business. Then sum up the importance of preventing and controlling the risk of women's discount small loans; In recent years, the international and domestic microfinance business research literature is summarized and summarized, combing the foreign countries. Domestic scholars in the area of micro-credit business, especially women discount micro-credit business research results. Chapter 2 introduces the postal savings bank Fushun branch of the main risk identification of women discount micro-credit business. It is divided into three levels. The first layer introduces the development of women's interest discount micro-credit business in China, which focuses on the processing process of women's discount micro-credit in Fushun Branch of Postal savings Bank. By introducing the loan risk cases in Fushun County and Xinfu District of Fushun City, this paper summarizes the current situation of loan risk on different levels, such as moral hazard, credit risk, operational risk and so on. And the causes of these types of risks are briefly analyzed. Chapter 3 from a macro perspective in-depth introduction of the Postal savings Bank women discount micro-credit business risk causes, mainly summarized three points. First, the unemployed women support policy is not perfect, which is reflected in the Postal savings Bank of the borrower women employment entrepreneurship training work and policy guidance is not in place, the second is the project participants in the main understanding of deviation. Performance for the various levels of staff understanding of this business is not in place, the third is the product design and process design of the business is still flawed, comprehensive of these three reasons. The fourth chapter introduces the risk control measures of women's interest discount micro-credit business in Fushun branch of postal savings bank, mainly divided into four points. The first is to improve the Postal savings Bank to laid-off women support policy and credit system construction, the second is to improve the overall design of women discount micro-credit business. Third, improve the Postal savings Bank Fushun Branch Women's discount micro-credit risk warning mechanism, fourth, strengthen the non-bank sector to the risk control and guarantee effect of this business, through these four measures. It is hoped that it will benefit the risk management of the Women's interest discount Microloan Project in Fushun Branch of the Postal savings Bank, and make the development of the bank a higher level.
【學(xué)位授予單位】：吉林大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2017
【分類號】：F832.4;F618.3

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