本文選題：小微企業(yè)信貸業(yè)務(wù) + 風(fēng)險(xiǎn)評(píng)估　； 參考：《西安理工大學(xué)》2017年碩士論文

【摘要】：近年來(lái),隨著國(guó)內(nèi)小微企業(yè)數(shù)量持續(xù)增加,商業(yè)銀行小微企業(yè)信貸業(yè)務(wù)規(guī)模明顯擴(kuò)大,導(dǎo)致小微企業(yè)信貸業(yè)務(wù)風(fēng)險(xiǎn)持續(xù)累積,這對(duì)商業(yè)銀行的風(fēng)險(xiǎn)評(píng)估提出更高要求。本文研究以BH城市商業(yè)銀行為研究對(duì)象,從小微企業(yè)信貸業(yè)務(wù)風(fēng)險(xiǎn)評(píng)估角度出發(fā),采用案例分析、層次分析等方法,具體研究了小微企業(yè)信貸業(yè)務(wù)風(fēng)險(xiǎn)評(píng)估有關(guān)問(wèn)題。研究認(rèn)為,當(dāng)前BH城市商業(yè)銀行已經(jīng)構(gòu)建了相應(yīng)的小微企業(yè)信貸業(yè)務(wù)風(fēng)險(xiǎn)評(píng)估組織架構(gòu),形成了相應(yīng)的風(fēng)險(xiǎn)評(píng)估制度、流程與方法,從而實(shí)現(xiàn)了對(duì)小微企業(yè)信貸業(yè)務(wù)風(fēng)險(xiǎn)的評(píng)估。然而,進(jìn)一步分析發(fā)現(xiàn),BH城市商業(yè)銀行當(dāng)前的小微企業(yè)信貸業(yè)務(wù)風(fēng)險(xiǎn)評(píng)估體系盡管取得了一定的成效,但是其依然存在不少問(wèn)題,主要體現(xiàn)為:一是組織架構(gòu)不合理,不能適應(yīng)小微企業(yè)信貸業(yè)務(wù)風(fēng)險(xiǎn)評(píng)估的需要;二是小微企業(yè)信貸業(yè)務(wù)風(fēng)險(xiǎn)評(píng)估制度不夠健全,且對(duì)小微企業(yè)信貸業(yè)務(wù)的操作性有限;三是小微企業(yè)信貸業(yè)務(wù)風(fēng)險(xiǎn)評(píng)估流程效率不高,部分流程設(shè)計(jì)較為冗繁;四是小微企業(yè)信貸業(yè)務(wù)風(fēng)險(xiǎn)評(píng)估方法存在較大的主觀性,不利于獲得較為客觀的評(píng)估結(jié)論。針對(duì)存在問(wèn)題,本文研究指出BH城市商業(yè)銀行應(yīng)從以下幾個(gè)方面采取相關(guān)解決對(duì)策:一是優(yōu)化信貸業(yè)務(wù)風(fēng)險(xiǎn)評(píng)估組織架構(gòu),并明確各個(gè)相關(guān)職能部門的職責(zé);二是完善小微企業(yè)信貸業(yè)務(wù)的風(fēng)險(xiǎn)評(píng)估制度,并確保相關(guān)制度在實(shí)際管理中能夠切實(shí)執(zhí)行到位;三是提高小微企業(yè)信貸業(yè)務(wù)風(fēng)險(xiǎn)評(píng)估流程的效率,規(guī)范相關(guān)風(fēng)險(xiǎn)評(píng)估流程;四是構(gòu)建科學(xué)的小微企業(yè)信貸業(yè)務(wù)風(fēng)險(xiǎn)評(píng)估方法體系,結(jié)合層次分析法,合理地設(shè)置各個(gè)指標(biāo)的權(quán)重,以更好地評(píng)估各筆小微企業(yè)信貸業(yè)務(wù)的風(fēng)險(xiǎn)。為了確保BH城市商業(yè)銀行小微企業(yè)信貸業(yè)務(wù)風(fēng)險(xiǎn)評(píng)估改進(jìn)方案能夠?qū)嵤?本研究還提出了相關(guān)保障措施,包括構(gòu)建重視風(fēng)險(xiǎn)管理的企業(yè)文化、提供堅(jiān)強(qiáng)的人力資源保障、加大信貸業(yè)務(wù)風(fēng)險(xiǎn)評(píng)估體系的資金投入、引進(jìn)或創(chuàng)新相關(guān)小微企業(yè)信貸業(yè)務(wù)風(fēng)險(xiǎn)評(píng)估方法或手段、持續(xù)完善BH城市商業(yè)銀行的內(nèi)部控制體系等。本文研究對(duì)提高國(guó)內(nèi)城市商業(yè)銀行小微企業(yè)信貸業(yè)務(wù)風(fēng)險(xiǎn)評(píng)估水平具有現(xiàn)實(shí)參考意義。
[Abstract]:In recent years, with the continuous increase of the number of small and micro enterprises in China, the scale of credit business of small and micro enterprises of commercial banks is obviously expanded, which leads to the continuous accumulation of credit business risks of small and micro enterprises, which puts forward higher requirements for the risk assessment of commercial banks. In this paper, taking BH City Commercial Bank as the research object, from the point of view of credit risk assessment of small and micro enterprises, using the methods of case analysis and analytic hierarchy process, this paper studies the problems related to the risk assessment of credit business of small and micro enterprises. The study shows that the BH City Commercial Bank has already constructed the corresponding organization structure of credit risk assessment for small and micro enterprises, and has formed the corresponding risk assessment system, process and method. Thus realized the small and micro enterprise credit business risk assessment. However, after further analysis, it is found that although the current credit risk assessment system for small and micro enterprises of BBH City Commercial Bank has achieved certain results, it still has many problems, which are mainly reflected in the following aspects: first, the organizational structure is unreasonable, Second, the credit risk assessment system of small and micro enterprises is not perfect, and the operation of small and micro enterprises credit business is limited; Third, the risk assessment process of small and micro enterprise credit business is not efficient, part of the process design is more redundant; fourth, the risk assessment method of small and micro enterprise credit business is more subjective, which is not conducive to obtaining more objective evaluation conclusions. In view of the existing problems, this paper points out that BH City Commercial Bank should take relevant countermeasures from the following aspects: first, optimize the organizational structure of credit risk assessment and clarify the responsibilities of each relevant functional department; The second is to perfect the risk assessment system of the small and micro enterprise credit business, and to ensure that the relevant system can be implemented in practice, third, to improve the efficiency of the risk assessment process of the small and micro enterprise credit business, and to standardize the related risk assessment process. The fourth is to construct a scientific method system of credit risk assessment for small and micro enterprises, combining with the Analytic hierarchy process (AHP), to set up the weights of each index reasonably, so as to better evaluate the risks of each small and micro enterprise credit business. In order to ensure the implementation of the improved scheme of credit risk assessment for small and micro enterprises of BH City Commercial Bank, this study also puts forward relevant safeguard measures, including building a corporate culture that attaches importance to risk management, and providing strong human resources protection. Increasing the capital input of the credit risk assessment system, introducing or innovating the credit risk assessment methods or means of related small and micro enterprises, and continuously perfecting the internal control system of BH city commercial bank, etc. The research in this paper is of practical significance to improve the credit risk assessment level of small and micro enterprises in domestic city commercial banks.
【學(xué)位授予單位】：西安理工大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2017
【分類號(hào)】：F832.4;F276.3

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本文編號(hào)：1949875