本文選題：商業(yè)銀行　切入點：中小科技企業(yè)　出處：《南京大學(xué)》2017年碩士論文　論文類型：學(xué)位論文

【摘要】：在中國迅猛發(fā)展的科技和經(jīng)濟水平下,中國中小科技企業(yè)的數(shù)量在不斷增加,質(zhì)量在不斷提高,其對經(jīng)濟的促進作用和在社會發(fā)展中的重要性也日益凸顯,但中小科技企業(yè)在發(fā)展的過程中仍然有許多制約因素,最典型的要數(shù)融資難問題。另一方面,隨著利率市場化的不斷推進,商業(yè)銀行之間的競爭也日益激烈,通過調(diào)整信貸結(jié)構(gòu)適應(yīng)眾多中小科技企業(yè)的信貸需求,這不僅迎合了國家政策導(dǎo)向,也是商業(yè)銀行業(yè)務(wù)發(fā)展的契機。商業(yè)銀行對中小科技企業(yè)信貸業(yè)務(wù)的核心是風(fēng)險管理,本文以HL銀行對杭州某科技公司授信風(fēng)險管理為例,結(jié)合中國中小科技企業(yè)的特點和信用風(fēng)險的特征,探索基于我國商業(yè)銀行實際又滿足中小科技企業(yè)信貸需求的授信風(fēng)險管理理論和方法。本文采用案例研究法,首先在分析商業(yè)銀行風(fēng)險管理的基本理論和實踐發(fā)展現(xiàn)狀的基礎(chǔ)上,介紹了美國硅谷銀行對科技企業(yè)授信風(fēng)險管理的經(jīng)典案例,分析總結(jié)其風(fēng)險管理經(jīng)驗。隨后實地調(diào)研HL銀行,系統(tǒng)地分析了該行授信的流程及其對中小科技企業(yè)的風(fēng)險管理措施,并結(jié)合中小科技企業(yè)的特殊性及主要風(fēng)險點,全面剖析HL銀行對杭州某科技企業(yè)授信風(fēng)險管理的案例,并以此案例為突破口來探討HL銀行中小科技企業(yè)授信管理中可能存在的一些問題,最后針對存在的問題提出有針對性的對策和建議。經(jīng)過調(diào)研和分析,發(fā)現(xiàn)HL銀行在綜合金融服務(wù)、授信業(yè)務(wù)審批效率、授信風(fēng)險調(diào)查管理和授信風(fēng)險控制措施等方面都存在一些缺陷,本文提出通過創(chuàng)新金融產(chǎn)品、提高分支行審批權(quán)限、建立信用評價體系、注重非財務(wù)信息和異常變動的信息等方法來改進上述缺陷。希望通過這次的探討能為HL銀行提高中小科技企業(yè)授信風(fēng)險管理水平提供一些改進思路,也為其他類似商業(yè)銀行的風(fēng)險管理實踐提供一點參考。
[Abstract]:With the rapid development of science and technology and economic level in China, the number and quality of small and medium-sized science and technology enterprises in China are constantly increasing, and their role in promoting the economy and their importance in social development are also becoming increasingly prominent. However, there are still many restrictive factors in the development of small and medium-sized science and technology enterprises, the most typical of which is the difficulty of financing. On the other hand, with the development of interest rate marketization, the competition among commercial banks is becoming increasingly fierce. By adjusting the credit structure to meet the credit demand of many small and medium-sized science and technology enterprises, this not only caters to the national policy guidance, but also is the opportunity for the development of the commercial bank business. The core of the credit business of the commercial bank to the small and medium-sized science and technology enterprise is risk management. This paper takes the credit risk management of a technology company in Hangzhou by HL Bank as an example, combined with the characteristics of small and medium-sized science and technology enterprises in China and the characteristics of credit risk. This paper explores the theory and method of credit risk management based on the fact that commercial banks in China meet the credit needs of small and medium-sized scientific and technological enterprises. First of all, based on the analysis of the basic theory and practice of commercial bank risk management, this paper introduces the classic case of credit risk management of Silicon Valley bank in the United States. The paper analyzes and summarizes its risk management experience, then investigates HL Bank on the spot, analyzes systematically the process of granting credit and its risk management measures to small and medium-sized science and technology enterprises, and combines the particularity and main risk points of small and medium-sized science and technology enterprises. This paper comprehensively analyzes the case of HL Bank's credit risk management for a technology enterprise in Hangzhou, and uses this case as a breakthrough to discuss some problems that may exist in the credit management of small and medium-sized enterprises in HL Bank. Finally, some countermeasures and suggestions are put forward to solve the existing problems. Through investigation and analysis, it is found that HL Bank has the efficiency of examining and approving comprehensive financial services and credit services. There are some defects in credit risk investigation management and credit risk control measures. This paper proposes to establish a credit evaluation system by innovating financial products, improving the approval authority of branch banks, and establishing a credit evaluation system. Pay attention to the methods of non-financial information and abnormal information to improve the above defects. It is hoped that this discussion will provide some improvement ideas for HL Bank to improve the credit risk management level of small and medium-sized science and technology enterprises. It also provides some reference for the risk management practice of other similar commercial banks.
【學(xué)位授予單位】：南京大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2017
【分類號】：F832.4;F276.44
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本文編號：1588364