發(fā)布時(shí)間：2018-11-17 10:27

【摘要】：中小企業(yè)授信業(yè)務(wù)是商業(yè)銀行近幾年來(lái)發(fā)展的方向，中小企業(yè)在為商業(yè)銀行帶來(lái)豐厚利潤(rùn)的同時(shí)，也因?yàn)槠渥陨硪?guī)模小、信息透明度低、財(cái)務(wù)數(shù)據(jù)不規(guī)范等原因需要商業(yè)銀行對(duì)其增強(qiáng)管理的強(qiáng)度。如何通過(guò)貸后管理的方式降低中小企業(yè)客戶不良授信發(fā)生的概率，是商業(yè)銀行需要迫切解決的新難題。解決該問(wèn)題，對(duì)商業(yè)銀行建立完善的風(fēng)險(xiǎn)機(jī)制，提高銀行競(jìng)爭(zhēng)力具有重要意義。 本文通過(guò)對(duì)國(guó)內(nèi)外相關(guān)文獻(xiàn)的研究后，選取寧波銀行作為主要研究對(duì)象，在對(duì)寧波銀行貸款風(fēng)險(xiǎn)分類(lèi)管理實(shí)踐進(jìn)行充分研究和分析的基礎(chǔ)上，通過(guò)對(duì)寧波銀行現(xiàn)有大量中小企業(yè)客戶的授信資料進(jìn)行評(píng)估和總結(jié)，改善寧波銀行現(xiàn)有打分分類(lèi)機(jī)制并使其同銀行內(nèi)外部其他信用管理系統(tǒng)有機(jī)結(jié)合，根據(jù)分類(lèi)結(jié)果將授信客戶按照風(fēng)險(xiǎn)程度從大到小分為5類(lèi)，，并對(duì)不同類(lèi)型的授信客戶提供不同的管理建議。本文重點(diǎn)分析了寧波銀行現(xiàn)有貸后管理過(guò)程中存在的問(wèn)題，通過(guò)完善寧波銀行授信客戶分類(lèi)方法，提出分類(lèi)管理的措施和建議，希望為寧波銀行設(shè)定批量化管理分類(lèi)客戶的規(guī)則，提高寧波銀行總體風(fēng)險(xiǎn)把控能力。也希望通過(guò)此文拋磚引玉，為我國(guó)商業(yè)銀行在金融全球化背景下防范和化解信貸風(fēng)險(xiǎn)提供理論支持和智力幫助。
[Abstract]:SME credit business is the development direction of commercial banks in recent years. While SMEs bring huge profits to commercial banks, at the same time, because of their own small scale and low information transparency, Financial data is not standardized and other reasons need commercial banks to strengthen their management intensity. How to reduce the probability of bad credit by the way of post-loan management is a new problem that the commercial banks need to solve urgently. To solve this problem, it is of great significance for commercial banks to establish a perfect risk mechanism and improve the competitiveness of banks. Based on the research of domestic and foreign literatures, this paper selects Ningbo Bank as the main research object, and makes a full study and analysis on the practice of classified management of Ningbo Bank's loan risk. By evaluating and summarizing the credit data of a large number of SME customers in Ningbo Bank, the paper improves the existing grading and classification mechanism of Ningbo Bank and organically integrates it with other credit management systems inside and outside the Bank. According to the classification results, the credit customers are divided into 5 categories according to the risk level, and different management suggestions are provided for different types of credit customers. This paper focuses on the analysis of the existing problems in Ningbo Bank's existing post-loan management process, and puts forward some measures and suggestions for classified management through perfecting the classification method of Ningbo Bank's credit customers. We hope to set up the rules for Ningbo Bank to manage classified customers in order to improve the overall risk control ability of Ningbo Bank. It also hopes to provide theoretical support and intellectual help for Chinese commercial banks to prevent and resolve credit risks under the background of financial globalization.
【學(xué)位授予單位】：寧波大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類(lèi)號(hào)】：F832.4;F276.3

【參考文獻(xiàn)】

相關(guān)期刊論文 前10條

1 俞棟;;道德風(fēng)險(xiǎn):國(guó)有商業(yè)銀行轉(zhuǎn)型的困擾與挑戰(zhàn)[J];金融論壇;2005年12期

2 陳元斌;;我國(guó)商業(yè)銀行信用風(fēng)險(xiǎn)管理問(wèn)題及對(duì)策研究[J];產(chǎn)業(yè)與科技論壇;2011年14期

3 劉士順;;談城市商業(yè)銀行貸后管理難點(diǎn)與對(duì)策[J];經(jīng)營(yíng)管理者;2010年01期

4 曾紹球,曾武平,何檢珠;“一逾兩呆”和“五級(jí)貸款”資產(chǎn)風(fēng)險(xiǎn)分類(lèi)方法之比較分析[J];廣西師范大學(xué)學(xué)報(bào)(自然科學(xué)版);1999年S1期

5 農(nóng)高儉;張?jiān)鲢y;潘鵬鷹;劉俊明;;小微企業(yè)信貸風(fēng)險(xiǎn)管控研究[J];區(qū)域金融研究;2013年04期

6 婁飛鵬;;基于動(dòng)態(tài)博弈的商業(yè)銀行貸款還款方式比較分析[J];區(qū)域金融研究;2013年07期

7 李孟來(lái);;我國(guó)個(gè)人信用評(píng)分模型的應(yīng)用探討[J];金融管理與研究;2009年02期

8 徐秀渠;;Altman’s Z-Score模型在企業(yè)風(fēng)險(xiǎn)管理中的應(yīng)用研究[J];經(jīng)濟(jì)經(jīng)緯;2010年04期

9 謝晶晶;任曉輝;尹伊;;中小銀行呼喚“另類(lèi)監(jiān)管”[J];金融經(jīng)濟(jì);2007年18期

10 章政;田侃;吳宏;;現(xiàn)代信用風(fēng)險(xiǎn)度量技術(shù)在我國(guó)的應(yīng)用方向研究[J];金融研究;2006年07期

相關(guān)博士學(xué)位論文 前1條

1 秦江波;中國(guó)商業(yè)銀行信貸過(guò)程風(fēng)險(xiǎn)管理研究[D];哈爾濱理工大學(xué);2010年

本文編號(hào)：2337445