本文選題：上海銀行 + 信貸　； 參考：《吉林大學(xué)》2017年碩士論文

【摘要】：目前在我國,小微企業(yè)量大面廣,具有成長性高、后勁足的特點,有著無限的發(fā)展前景,已經(jīng)成為財政收入的重要組成部分,是國民經(jīng)濟(jì)的重要力量,同時小微企業(yè)的快速發(fā)展還能帶動就業(yè)率的提高,在社會發(fā)展中扮演著舉足輕重的角色。但是,受限于自身的規(guī)模,小微企業(yè)的發(fā)展與成長相比于大中型企業(yè),更為曲折。銀行融資作為小微企業(yè)日常經(jīng)營活動中的重要融資渠道,在小微企業(yè)的成長過程中,扮演著助推器的角色。但是隨著業(yè)務(wù)與客戶的激增,加上外部環(huán)境的影響,包括上海銀行蘇州分行在內(nèi)的各家商業(yè)銀行,小微企業(yè)貸款業(yè)務(wù)都出現(xiàn)了不同程度的風(fēng)險特征。在大力發(fā)展小微企業(yè)信貸業(yè)務(wù)的同時,如何有效的控制信貸風(fēng)險就變得尤為重要。本文旨在通過研究,為完善上海銀行蘇州分行小微企業(yè)信貸業(yè)務(wù)風(fēng)險控制策略體系提供意見,有效提升上海銀行蘇州分行小微企業(yè)信貸業(yè)務(wù)的質(zhì)量。這將在很大程度上緩解小微企業(yè)貸款難的局面,進(jìn)而可以促進(jìn)小微企業(yè)的快速發(fā)展,而小微企業(yè)的快速發(fā)展必將會帶動商業(yè)銀行小微企業(yè)信貸業(yè)務(wù)的發(fā)展,兩者之間存在著相輔相成、互相促進(jìn)的關(guān)系,有效促進(jìn)商業(yè)銀行小微企業(yè)信貸業(yè)務(wù)的健康的可持續(xù)發(fā)展。首先本文闡述了相關(guān)研究背景以及論文的研究意義,將上海銀行蘇州分行作為個體案例,將其小微企業(yè)信貸業(yè)務(wù)的風(fēng)險控制問題作為本文的研究內(nèi)容,采用了文獻(xiàn)分析法和案例分析法對其進(jìn)行了深入的研究分析。參考了國內(nèi)外眾多專家學(xué)者先進(jìn)的研究成果,并從中了解到小微企業(yè)資金需求大、融資難的困境,以及在銀行與企業(yè)之間信息不對稱的情況下,如何降低小微企業(yè)信貸業(yè)務(wù)風(fēng)險,并將其作為本論文的理論依據(jù)。其次本文對小微企業(yè)信貸業(yè)務(wù)的總體現(xiàn)狀進(jìn)行了概括、分析,發(fā)現(xiàn)上海銀行蘇州分行的小微企業(yè)信貸業(yè)務(wù)呈上升趨勢,貸款占比也逐年增加。小微企業(yè)信貸業(yè)務(wù)在未來必然是銀行信貸業(yè)務(wù)中重要的組成部分,但就目前而言,還未形成規(guī)模,大中型企業(yè)信貸仍占據(jù)主導(dǎo)地位。接下來又從貸前、貸中、貸后三個方面分析了上海銀行蘇州分行小微企業(yè)信貸風(fēng)險管理的現(xiàn)狀,通過對以上現(xiàn)狀的深入分析,提出上海銀行蘇州分行在小微企業(yè)信貸風(fēng)險控制方面存在的問題和不足。最后從外部整體環(huán)境和銀行內(nèi)部情況為出發(fā)點,具體分析了上海銀行蘇州分行小微企業(yè)信貸風(fēng)險控制存在問題的原因。經(jīng)濟(jì)下行的態(tài)勢給小微企業(yè)的經(jīng)營帶來巨大的困難,加上小微企業(yè)自身經(jīng)營管理中存在的諸多風(fēng)險因素,以及銀行內(nèi)部控制制度的不完善等種種原因,造成了小微企業(yè)信貸風(fēng)險控制薄弱的局面。通過對上海銀行蘇州分行小微企業(yè)信貸業(yè)務(wù)風(fēng)險控制存在問題的原因分析后,有針對性的從銀行自身出發(fā),提出有助于提升銀行風(fēng)險控制的對策和方法。
[Abstract]:At present, in China, small and micro enterprises have the characteristics of large volume, high growth, full of stamina, unlimited development prospects, and have become an important part of financial revenue and an important force in the national economy. At the same time, the rapid development of small and micro enterprises can also promote the increase of employment rate, which plays an important role in the social development. However, limited by their own size, the development and growth of small and micro enterprises compared with large and medium enterprises, more zigzag. Bank financing, as an important financing channel in the daily operation of small and micro enterprises, plays the role of booster in the growth process of small and micro enterprises. However, with the rapid growth of business and customers and the influence of external environment, various commercial banks, including Shanghai Bank Suzhou Branch, and small and micro enterprise lending business have all appeared different degree of risk characteristics. At the same time, how to effectively control credit risk becomes more and more important. The purpose of this paper is to provide advice to improve the risk control system of small and micro enterprises in Suzhou Branch of Bank of Shanghai, and to effectively improve the quality of credit business of small and micro enterprises in Suzhou Branch of Shanghai Bank. This will to a large extent alleviate the difficult situation of lending to small and micro enterprises, thereby promoting the rapid development of small and micro enterprises, and the rapid development of small and micro enterprises will certainly lead to the development of small and micro enterprises' credit business in commercial banks. There is a mutually reinforcing and mutually reinforcing relationship between the two, which can effectively promote the healthy and sustainable development of the credit business of small and micro enterprises in commercial banks. First of all, this paper describes the relevant research background and the significance of the paper, taking the Suzhou Branch of Shanghai Bank as an individual case, and taking the risk control problem of its small and micro enterprise credit business as the research content of this paper. Literature analysis method and case analysis method are used to study and analyze it deeply. Referring to the advanced research results of many experts and scholars at home and abroad, and finding out the dilemma of small and micro enterprises with large capital demand and difficult financing, and in the case of information asymmetry between banks and enterprises, How to reduce the risk of small and micro-enterprise credit business, and take it as the theoretical basis of this paper. Secondly, this paper summarizes the overall situation of the small and micro enterprise credit business, and finds that the small and micro enterprise credit business of Shanghai Bank Suzhou Branch is on the rise, and the proportion of loans is increasing year by year. The small and micro enterprise credit business will be an important part of the bank credit business in the future, but at present, it has not yet formed the scale, the large and medium-sized enterprise credit still occupies the dominant position. Then it analyzes the current situation of credit risk management of small and micro enterprises in Suzhou Branch of Shanghai Bank of China from three aspects: before, during and after the loan, and through the in-depth analysis of the above situation, The problems and shortcomings in credit risk control of small and micro enterprises in Suzhou Branch of Shanghai Bank are put forward. Finally, from the external environment and the internal situation of the bank as a starting point, the paper analyzes the causes of the credit risk control problems in the small and micro enterprises of Shanghai Bank of Suzhou Branch. The downward trend of the economy has brought enormous difficulties to the operation of small and micro enterprises, plus many risk factors in the management of small and micro enterprises themselves, as well as the imperfections of the internal control system of banks, and so on. Created a small and micro-enterprise credit risk control weak situation. Based on the analysis of the causes of the problems in the credit risk control of the small and micro enterprises in Suzhou Branch of Shanghai Bank of China, this paper puts forward the countermeasures and methods to promote the risk control of the banks.
【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;F275

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