本文選題：M銀行 + 小微企業(yè)貸款��； 參考：《青島大學》2017年碩士論文

【摘要】：在我們國內(nèi),小微企業(yè)功績卓著,為我國市場經(jīng)濟的繁榮昌盛、財政收入的提升、就業(yè)率的提高等諸多方面提供了很大助力。我國政府在世界金融危機爆發(fā)后先后頒布了多種有利于小微企業(yè)發(fā)展的政策法規(guī),旨在最大限度的解決小微企業(yè)的融資難題。對于小微型企業(yè)來說從銀行貸款是最主要的融資手段,所以,有必要對其深度挖掘,以此找出銀行接下來的發(fā)展重點,了解與分析未來的發(fā)展趨勢。故而,就實際情況來說,信貸風險已是所有商業(yè)銀行發(fā)展所面臨的重要問題,也是商業(yè)銀行維持穩(wěn)健運營與發(fā)展的重點內(nèi)容。面對當下的這種持續(xù)下行的經(jīng)濟走向,全面開展關于小微企業(yè)信貸風險的管理研究,不僅有利于M銀行資產(chǎn)質(zhì)量的持續(xù)提升,也能夠促使其持續(xù)維持穩(wěn)健且高速增長的步伐,尤其是對于M銀行的再次騰飛目標的實現(xiàn)有深遠的意義。本文主要由基本風險理論著手,闡述了了小微企業(yè)的界定、信貸風險的定義、商業(yè)銀行信貸風險的概念和種類、商業(yè)銀行風險管理的階段和目標;闡述了M銀行小微信貸風險管理的現(xiàn)狀;對M銀行當前在小微企業(yè)信貸管理方面的內(nèi)部問題和原因進行了重點分析,可見小微企業(yè)不僅能夠推動M銀行的業(yè)務發(fā)展,也會引發(fā)一些經(jīng)營風險影響M銀行的收益;雖然M銀行已使用過多種應對舉措,但管理漏洞和內(nèi)部風險控制并沒有完全解決。通過以上分析,最后有針對性的提出了嚴格對小微客戶貸款的審查、重視貸后團隊打造、將小微金融服務創(chuàng)新升級等能夠有效解決上述問題的對策建議。
[Abstract]:In our country, small and micro enterprises have made great contributions to the prosperity of our market economy, the increase of financial income, the increase of employment rate and so on. After the outbreak of the world financial crisis, our government has promulgated a variety of policies and regulations conducive to the development of small and micro enterprises, in order to solve the financing problems of small and micro enterprises as far as possible. For small and micro enterprises, bank loan is the most important means of financing, so it is necessary to dig its depth, so as to find out the future development focus of the bank, and to understand and analyze the future development trend. Therefore, as far as the actual situation is concerned, credit risk is an important problem for the development of all commercial banks, and it is also the key content for the commercial banks to maintain their steady operation and development. In the face of the current downward trend of the economy, it is not only conducive to the continuous improvement of the asset quality of M Bank, but also can promote its steady and high growth pace to carry out a comprehensive study on the credit risk management of small and micro enterprises. Especially for M Bank to achieve the goal of re-take-off has far-reaching significance. This article mainly from the basic risk theory, elaborated the small and micro enterprise definition, the credit risk definition, the commercial bank credit risk concept and the kind, the commercial bank risk management stage and the goal; This paper expounds the present situation of micro-credit risk management in M Bank, analyzes the internal problems and reasons of M Bank in credit management of small and micro enterprises, and shows that small and micro enterprises can not only promote the business development of M bank. There will also be some operational risks that affect M Bank's earnings; while M has used a variety of responses, management loopholes and internal risk controls have not been fully addressed. Through the above analysis, the paper puts forward some countermeasures and suggestions to solve the above problems, such as strict examination of small and micro customer loans, paying attention to the team building after loans, and upgrading the innovation and upgrading of small and micro financial services.
【學位授予單位】：青島大學
【學位級別】：碩士
【學位授予年份】：2017
【分類號】：F832.4;F276.3

【參考文獻】

相關期刊論文 前10條

1 劉良畢;;小微企業(yè)信用體系“互聯(lián)網(wǎng)+”的實現(xiàn)路徑探索[J];征信;2016年01期

2 高俊光;朱辰辰;古艷萍;;A商業(yè)銀行小微企業(yè)信用評級模型優(yōu)化實證研究[J];征信;2016年01期

3 王仁厚;韓雨霏;;加快推進小微企業(yè)征信體系建設的思考[J];征信;2016年01期

4 吳晨;朱亞平;;進出口雙增 貿(mào)易總額突破300億美元——2014年水產(chǎn)品貿(mào)易情況分析[J];中國水產(chǎn);2015年03期

5 趙曉紅;;供應鏈融資中存在的風險研究[J];才智;2012年29期

6 林波;;民生銀行:小微企業(yè)貸款成就“小微企業(yè)的銀行”[J];WTO經(jīng)濟導刊;2010年05期

7 何自力;;銀行中小企業(yè)貸款的效益與風險分析[J];金融論壇;2006年01期

8 曹建 ,劉路;信息不對稱與商業(yè)銀行信貸風險控制[J];農(nóng)村金融研究;2004年12期

9 郭斌,劉曼路;民間金融與中小企業(yè)發(fā)展:對溫州的實證分析[J];經(jīng)濟研究;2002年10期

10 程鵬,吳沖鋒,李為冰;信用風險度量和管理方法研究[J];管理工程學報;2002年01期

相關重要報紙文章 前1條

1 吳啟金;;風險管理：尋找業(yè)務過程的風險點[N];中國工業(yè)報;2010年

相關博士學位論文 前1條

1 李菁;商業(yè)銀行信貸風險評價與優(yōu)化研究[D];華中科技大學;2005年

相關碩士學位論文 前2條

1 嚴煊霞;中國銀行業(yè)監(jiān)管研究[D];西南財經(jīng)大學;2013年

2 王艇;完善建設銀行風險管理體系的對策研究[D];西南財經(jīng)大學;2009年

，

本文編號：2017856