本文關(guān)鍵詞： 商業(yè)銀行 小微企業(yè) 信貸風(fēng)險(xiǎn) 風(fēng)險(xiǎn)管理　出處：《揚(yáng)州大學(xué)》2017年碩士論文　論文類型：學(xué)位論文

【摘要】：隨著我國小微企業(yè)數(shù)量日增長,商業(yè)銀行對小微企業(yè)信貸支持力度不斷加大,小微企業(yè)信貸客戶數(shù)量不斷增多,小微企業(yè)信貸規(guī)模日漸增加,但商業(yè)銀行的小微企業(yè)信貸質(zhì)量普遍不高,風(fēng)險(xiǎn)事項(xiàng)頻發(fā),違約概率較高,因此加強(qiáng)小微企業(yè)信貸風(fēng)險(xiǎn)管理越來越重要。目前中國建設(shè)銀行G支行目前小微企業(yè)信貸不良率不斷增高,對于中國建設(shè)銀行G支行的小微企業(yè)信貸風(fēng)險(xiǎn)管理的要求也不斷提高。本文通過分析中國建設(shè)銀行G支行小微企業(yè)信貸風(fēng)險(xiǎn)管理流程及風(fēng)險(xiǎn)管理的現(xiàn)狀,以信息不對稱理論、信貸配給理論、博弈論、企業(yè)生命周期理論為理論基礎(chǔ),利用文獻(xiàn)歸納法、案例分析法、歸納演繹法分析了商業(yè)銀行小微企業(yè)信貸風(fēng)險(xiǎn)管理中存在的問題,并提出相應(yīng)的改進(jìn)措施。針對中國建設(shè)銀行G支行目前小微企業(yè)信貸風(fēng)險(xiǎn)事項(xiàng)頻發(fā),不良率不斷提升的現(xiàn)狀,通過分析中國建設(shè)銀行G支行小微企業(yè)信貸風(fēng)險(xiǎn)案例,分析其發(fā)生的原因,主要是由于中國建設(shè)銀行G支行存在小微企業(yè)信貸風(fēng)險(xiǎn)管理服務(wù)制度落后、流程不完善、專業(yè)貸后管理團(tuán)隊(duì)不健全等問題,為此提出改進(jìn)措施從注重貸款投放與風(fēng)險(xiǎn)管理并重、注重客戶選擇、強(qiáng)化貸前風(fēng)險(xiǎn)審查、加強(qiáng)授信后管理、建立風(fēng)險(xiǎn)協(xié)同管理機(jī)制等方面進(jìn)一步加強(qiáng)小微企業(yè)信貸風(fēng)險(xiǎn)管理,完善中國建設(shè)銀行G支行信貸風(fēng)險(xiǎn)管理制度,并進(jìn)一步歸納總結(jié)適合商業(yè)銀行小微企業(yè)信貸的風(fēng)險(xiǎn)管理措施,幫助商業(yè)銀行提升小微企業(yè)信貸風(fēng)險(xiǎn)管理水平。
[Abstract]:With the daily growth of the number of small and micro enterprises in China, the credit support of commercial banks to small and micro enterprises is increasing, the number of small and micro enterprises credit customers is increasing, and the scale of small and micro enterprises credit is increasing day by day. However, the credit quality of small and micro enterprises in commercial banks is generally not high, risk events occur frequently, and the probability of default is high. Therefore, it is more and more important to strengthen the credit risk management of small and micro enterprises. The requirements of credit risk management for small and micro enterprises in G branch of China Construction Bank are also raised. This paper analyzes the credit risk management process and risk management status of small and micro enterprises in G branch of China Construction Bank. On the basis of information asymmetry theory, credit rationing theory, game theory, enterprise life cycle theory, using literature induction, case analysis. This paper analyzes the problems existing in the credit risk management of small and micro enterprises in commercial banks, and puts forward the corresponding improvement measures, aiming at the frequent occurrence of credit risk events in small and micro enterprises in G Branch of China Construction Bank. Through the analysis of the credit risk cases of small and micro enterprises in G Branch of China Construction Bank, the causes of its occurrence are analyzed. Mainly because of the G sub-bank of China Construction Bank, the credit risk management service system of small and micro enterprises is backward, the process is not perfect, the professional management team after loan is not perfect and so on. Therefore, this paper puts forward the improvement measures from paying equal attention to the loan investment and risk management, paying attention to the customer selection, strengthening the pre-loan risk examination, and strengthening the post-credit management. Further strengthen the credit risk management of small and micro enterprises and perfect the credit risk management system of G Branch of China Construction Bank. Furthermore, it summarizes the risk management measures suitable for small and micro enterprise credit of commercial banks, and helps commercial banks to improve the level of credit risk management of small and micro enterprises.
【學(xué)位授予單位】：揚(yáng)州大學(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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