本文關(guān)鍵詞：包商銀行微小企業(yè)貸款風(fēng)險(xiǎn)控制研究　出處：《內(nèi)蒙古財(cái)經(jīng)大學(xué)》2014年碩士論文　論文類型：學(xué)位論文

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【摘要】：隨著經(jīng)濟(jì)全球化的快速發(fā)展，我國利率市場化進(jìn)程也在快速的向前邁進(jìn)。為增加利息收入，越來越多的金融機(jī)構(gòu)將目光投向微小企業(yè)信貸市場。微小企業(yè)在我國國民經(jīng)濟(jì)發(fā)展中起著非常重要的作用，其發(fā)展的好壞，直接影響著我國人均GDP，人員就業(yè)。多年來，國內(nèi)各金融機(jī)構(gòu)為促進(jìn)小微企業(yè)的發(fā)展，在金融產(chǎn)品的研發(fā)上采取了積極的嘗試，但因信息的不對(duì)稱都收效甚微。銀行為控制風(fēng)險(xiǎn)，在產(chǎn)品的設(shè)計(jì)、發(fā)放流程上進(jìn)行了嚴(yán)格的控制，最終導(dǎo)致符合條件的微小企業(yè)少之又少。因此銀行如何針對(duì)微小企業(yè)實(shí)際情況，研發(fā)產(chǎn)品并配以完善的風(fēng)險(xiǎn)控制流程將是制約其在拓展微小企業(yè)市場的一個(gè)重要因素。 全文在研究國內(nèi)外微小企業(yè)風(fēng)險(xiǎn)控制流程的基礎(chǔ)上，通過分析、比較國內(nèi)外金融機(jī)構(gòu)在微小企業(yè)貸款業(yè)務(wù)上的風(fēng)險(xiǎn)控制方法和包商銀行在微小企業(yè)貸款業(yè)務(wù)上的風(fēng)險(xiǎn)控制方法，分析指出包商銀行微小企業(yè)貸款風(fēng)控制的局限性，并針對(duì)在微小企業(yè)貸款業(yè)務(wù)風(fēng)險(xiǎn)控制方面的不足提出完善和改進(jìn)意見，從而有效防范風(fēng)險(xiǎn)，提高資產(chǎn)質(zhì)量。首先本文以案例的形式介紹了包商銀行微小企業(yè)信貸風(fēng)險(xiǎn)控制流程，并將其在發(fā)展過程中遇見的問題進(jìn)行總結(jié)，，指出存在的問題。然后通過與國內(nèi)外同業(yè)微小企業(yè)貸款風(fēng)險(xiǎn)控制流程特點(diǎn)的對(duì)比，指出包商銀行微小企業(yè)貸款風(fēng)險(xiǎn)控制模式存在的局限性。最后借鑒同業(yè)的先進(jìn)風(fēng)險(xiǎn)控制模式，對(duì)包商銀行微小企業(yè)貸款風(fēng)險(xiǎn)控制模式提出改進(jìn)和完善建議。
[Abstract]:With the rapid development of economic globalization, China's interest rate marketization process is also moving forward rapidly to increase interest income. More and more financial institutions are looking to the credit market of micro-enterprises, which plays a very important role in the development of our national economy. The development of micro-enterprises directly affects the GDP per capita in China. For many years, in order to promote the development of small and micro enterprises, the domestic financial institutions have taken an active attempt in the research and development of financial products, but the information asymmetry has little effect. In the product design, distribution process for strict control, resulting in the final eligibility of very few small enterprises. So how the bank to meet the actual situation of small and medium-sized enterprises. The research and development of products with perfect risk control process will be an important factor restricting the development of micro-enterprises market. On the basis of studying the risk control process of domestic and foreign micro-enterprises, this paper analyzes the risk control process of micro-enterprises at home and abroad. Compare the risk control methods of domestic and foreign financial institutions in the micro-enterprise loan business and the risk control method of the contractor bank in the micro-enterprise loan business. This paper points out the limitation of micro-enterprise loan style control in contractor bank, and puts forward some suggestions to improve the risk control of micro-enterprise loan business, so as to prevent the risk effectively. First of all, this paper introduces the credit risk control process of the small and micro enterprises of the contractor bank in the form of case, and summarizes the problems encountered in the process of development. Points out the existing problems. Then through the comparison with the domestic and foreign micro-enterprise loan risk control process characteristics. This paper points out the limitation of the risk control mode of micro-enterprise loan in the contractor bank. Finally, some suggestions are put forward to improve the risk control mode of the micro-enterprise loan for the contractor bank by using the advanced risk control model of the same industry for reference.
【學(xué)位授予單位】：內(nèi)蒙古財(cái)經(jīng)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;F276.3

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本文編號(hào)：1439462