發(fā)布時間：2018-04-27 21:08

  本文選題：小微企業(yè) + 風險控制��； 參考：《安徽財經(jīng)大學》2017年碩士論文

【摘要】：近年來,為了響應大眾創(chuàng)業(yè)、萬眾創(chuàng)新精神,我國對小微企業(yè)扶植力度正在逐年加深,無論是政策上的支持,還是資金上的補助,或者是相關制度上的支撐,都反映出國家大力發(fā)展小微企業(yè)的決心。各個商業(yè)銀行也從中看出契機,拓展生存空間,將服務重心從大中型企業(yè)逐漸轉(zhuǎn)向小微型企業(yè)。然而,在經(jīng)濟下行,各行各業(yè)都面臨著機遇和挑戰(zhàn)的今天,一干小微企業(yè)存在著技術附加值低、利潤單薄、風險承受力差等缺陷,給商業(yè)銀行的小微企業(yè)信貸帶來了嚴峻的考驗。本文通過對徽商銀行A分行小微企業(yè)信貸的風險控制展開分析研究,通過分析現(xiàn)有風險控制管理理論,指出徽商銀行A分行風險控制措施存在的各種不足和需要解決的問題,并提出建立風險控制預警機制以及信息反饋機制,優(yōu)化信貸流程,加快對小微企業(yè)征信體系的建設。本文首先梳理了資產(chǎn)風險控制理論、負債風險控制理論、資產(chǎn)負債綜合風險控制理論、信貸配給理論等小微信貸風險控制理論,對我國商業(yè)銀行針對小微企業(yè)貸款的現(xiàn)狀進行了分析,以較具有代表性的徽商銀行為例,首先對徽商銀行A分行的整體概況進行分析,進而介紹該銀行小微企業(yè)信貸業(yè)務的整體發(fā)展現(xiàn)狀,最后對其現(xiàn)有的信貸業(yè)務風險控制機制展開介紹。隨后以徽商銀行A分行為例,分別從外部市場的角度、小微企業(yè)自身角度、小微企業(yè)信貸流程角度、小微企業(yè)風險控制角度指出了其在小企業(yè)風險控制中的問題和不足,并結(jié)合國內(nèi)外對于小微企業(yè)風險控制領域的相關實際材料,有針對性地提出了相關的解決方案和措施,歸納總結(jié)具體建議,如建立小微企業(yè)風險控制預警以及信息反饋機制、協(xié)助加快小微企業(yè)信用評級體系建立、優(yōu)化徽商銀行小微企業(yè)信貸流程等,豐富并且拓展了新常態(tài)下商業(yè)銀行貸款風險控制的相關理論。
[Abstract]:In recent years, in order to respond to the popular entrepreneurship and the spirit of innovation, the efforts of our country to foster small and micro enterprises are deepening year by year, whether it is policy support, financial subsidies, or related institutional support. Both reflect the determination of the state to develop small and micro-enterprises. Each commercial bank also sees the opportunity, expands the living space, gradually shifts the service center from the large and medium enterprise to the small and micro enterprise. However, in the economic downturn, a variety of industries are facing opportunities and challenges today, a small and micro enterprises have low technical added value, thin profits, poor tolerance to risk and other defects. Small and micro-enterprise credit to commercial banks has brought a severe test. Through the analysis and research on the risk control of small and micro enterprise credit in A branch of Huizhou Commercial Bank, and through the analysis of the existing risk control management theory, this paper points out the shortcomings of the risk control measures and the problems to be solved in the risk control measures of the A branch of Huizhou Commercial Bank. It also puts forward the establishment of risk control early warning mechanism and information feedback mechanism to optimize the credit flow and speed up the construction of credit information system for small and micro enterprises. This paper firstly combs the theory of asset risk control, the theory of liability risk control, the theory of comprehensive risk control of assets and liabilities, the theory of credit rationing and other small and micro credit risk control theories. This paper analyzes the present situation of commercial banks' lending to small and micro enterprises. Taking the representative Huizhou Commercial Bank as an example, this paper first analyzes the overall situation of Huizhou Commercial Bank A Branch. Finally, the paper introduces the credit risk control mechanism of the bank's small and micro enterprises. Then take Huizhou Commercial Bank A Branch as an example, from the external market angle, the small and micro enterprise own angle, the small and micro enterprise credit flow angle, the small and micro enterprise risk control angle pointed out its problem and the insufficiency in the small enterprise risk control. Combined with the domestic and foreign related materials in the field of risk control of small and micro enterprises, this paper puts forward relevant solutions and measures, and summarizes specific suggestions, such as establishing early warning and information feedback mechanism of risk control of small and micro enterprises. It helps to accelerate the establishment of credit rating system for small and micro enterprises and optimize the credit flow of small and micro enterprises of Huizhou Commercial Bank, which enriches and expands the relevant theories of loan risk control of commercial banks under the new normal condition.
【學位授予單位】：安徽財經(jīng)大學
【學位級別】：碩士
【學位授予年份】：2017
【分類號】：F832.4;F276.3

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