本文選題：商業(yè)銀行 + 小微企業(yè)�。� 參考：《蘭州交通大學(xué)》2017年碩士論文

【摘要】：近年來,我國宏觀經(jīng)濟進入經(jīng)濟下行周期,小微企業(yè)生產(chǎn)和融資成本不斷攀升,生存壓力加大,經(jīng)營情況惡化,債務(wù)違約風(fēng)險上升,商業(yè)銀行貸款不良率反彈,使得商業(yè)銀行發(fā)展小微企業(yè)業(yè)務(wù)的熱情受到打擊。然而,政府管理部門、銀行監(jiān)管部門仍要求商業(yè)銀行加大對小微企業(yè)的支持。商業(yè)銀行如何在宏觀經(jīng)濟下行周期中,強化風(fēng)險管理,將小微企業(yè)不良貸款控制在相對合理的范圍內(nèi),實現(xiàn)小微企業(yè)業(yè)務(wù)的可持續(xù)發(fā)展,成為各家商業(yè)銀行亟需解決的問題。論文首先對商業(yè)銀行信貸風(fēng)險的類型、商業(yè)銀行信貸風(fēng)險管理的方法以及商業(yè)銀行信貸風(fēng)險管理的內(nèi)容進行了闡述。其次對H商業(yè)銀行山西省分行小微企業(yè)信貸業(yè)務(wù)風(fēng)險管理現(xiàn)狀與問題分析。對H商業(yè)銀行小微企業(yè)信貸業(yè)務(wù)風(fēng)險管理的框架與流程以及在風(fēng)險管理中存在的問題進行了分析。再次,論文提出了H商業(yè)銀行山西省分行小微企業(yè)信貸業(yè)務(wù)風(fēng)險管理的對策。從提高風(fēng)險識別水平、創(chuàng)新風(fēng)險計量方式、細化風(fēng)險監(jiān)測機制、運用“互聯(lián)網(wǎng)+”協(xié)助商業(yè)銀行控制風(fēng)險、搭建風(fēng)險控制機制等層面提出了H商業(yè)銀行山西省分行小微企業(yè)信貸業(yè)務(wù)風(fēng)險管理的對策。最后,論文提出了H商業(yè)銀行山西省分行小微企業(yè)信貸業(yè)務(wù)風(fēng)險防范的保障措施,提出了設(shè)立小微企業(yè)信貸管理的專營機構(gòu),充實小微企業(yè)信貸風(fēng)險管理的人才隊伍建設(shè),營造成熟的小微企業(yè)信貸風(fēng)險管理文化。研究H商業(yè)銀行山西省分行小微企業(yè)信貸業(yè)務(wù)風(fēng)險管理現(xiàn)狀及策略選擇,不僅對H商業(yè)銀行的小微企業(yè)信貸業(yè)務(wù)發(fā)展具有理論和現(xiàn)實意義,對促進我國商業(yè)銀行對小微企業(yè)貸款風(fēng)險管理也有重要的現(xiàn)實意義。
[Abstract]:In recent years, the macro economy of our country has entered a downward cycle of the economy, the production and financing costs of small and micro enterprises have been rising, the survival pressure has increased, the operating situation has deteriorated, the risk of debt default has risen, and the bad rate of loans of commercial banks has rebounded.So that commercial banks to develop small and micro-business enthusiasm has been hit.However, government regulators and banking regulators are still demanding that commercial banks increase their support for small and micro-enterprises.How to strengthen the risk management, control the non-performing loans of the small and micro enterprises within a relatively reasonable range and realize the sustainable development of the small and micro enterprises in the downward cycle of the macro economy have become the urgent problems for each commercial bank to solve.Firstly, the paper expounds the types of commercial bank credit risk, the methods of commercial bank credit risk management and the content of commercial bank credit risk management.Secondly, it analyzes the present situation and problems of credit risk management of small and micro enterprises in H Commercial Bank of Shanxi Province.This paper analyzes the framework and process of credit risk management in small and micro enterprises of H commercial bank and the problems existing in risk management.Thirdly, the paper puts forward the countermeasures of credit risk management of small and micro enterprises in H Commercial Bank of Shanxi Province.In order to improve the level of risk identification, innovate the way of risk measurement, refine the risk monitoring mechanism, and use the "Internet" to help commercial banks control risks,This paper puts forward the countermeasures of risk management of small and micro enterprises in Shanxi Branch of H Commercial Bank.Finally, the paper puts forward the safeguard measures to prevent the credit risk of small and micro enterprises in Shanxi branch of H Commercial Bank, and puts forward the establishment of a specialized organization for credit management of small and micro enterprises, and enriches the construction of talents in credit risk management of small and micro enterprises.To create a mature small and micro-enterprise credit risk management culture.The research on the risk management of small and micro enterprises in Shanxi Branch of H Commercial Bank is not only of theoretical and practical significance to the development of small and micro enterprise credit business in H Commercial Bank, but also to the development of small and micro enterprise credit business in H Commercial Bank.It is also of practical significance to promote the loan risk management of small and micro enterprises in China's commercial banks.
【學(xué)位授予單位】：蘭州交通大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2017
【分類號】：F832.4;F276.3

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