本文選題：長沙銀行　切入點：中小企業(yè)　出處：《湖南大學(xué)》2015年碩士論文

【摘要】：中小企業(yè)在促進(jìn)經(jīng)濟發(fā)展、繁榮市場經(jīng)濟、擴大就業(yè)、財政增收等方面一直發(fā)揮著重要的作用。國際金融危機以來,各級政府紛紛出臺政策加大對中小企金融支持力度,解決中小企業(yè)融資難的問題。信貸業(yè)務(wù)是銀行經(jīng)營的重要業(yè)務(wù)方面,是維系銀行生存和發(fā)展的基礎(chǔ),而銀行信貸是中小企業(yè)最主要的外源融資渠道,在直接融資市場日趨成熟、各大銀行對大型優(yōu)質(zhì)企業(yè)客戶爭奪越來越激烈的狀況下,挖掘中小企業(yè)客戶資源,拓展中小企業(yè)信貸將成為銀行信貸業(yè)務(wù)新的增長點。本文首先從對中小企業(yè)信貸風(fēng)險管理的機構(gòu)、目標(biāo)與周期、收益模式、信貸支持模式等要素進(jìn)行了概述。然后采取理論與實際結(jié)合的分析模式,介紹了長沙銀行中小企業(yè)信貸業(yè)務(wù)發(fā)展情況及風(fēng)險管理現(xiàn)狀,選取銀企信息不對稱及中小企業(yè)信貸風(fēng)險管理缺乏規(guī)模效應(yīng)兩個角度,分析當(dāng)前商業(yè)銀行中小企業(yè)信貸風(fēng)險管理普遍存在的難點。從信貸風(fēng)險管理體系、風(fēng)險管理技術(shù)手段以及對中小企業(yè)信貸管理的模式三個方面對長沙銀行中小企業(yè)信貸風(fēng)險管理方面存在的問題進(jìn)行剖析,認(rèn)為是長沙銀行內(nèi)部控制、中小企業(yè)自身經(jīng)營管理及外部金融環(huán)境等方面存在的缺陷造成了目前中小企業(yè)信貸風(fēng)險管理方面存在的諸多問題。最后,從風(fēng)險管理體系建設(shè)、信用評級體系建設(shè)、目標(biāo)客戶選取優(yōu)化、產(chǎn)品設(shè)計優(yōu)化、信貸模式創(chuàng)新等方面提出相關(guān)對策建議,并從組織架構(gòu)、人力資源管理和信貸風(fēng)險管理文化建設(shè)等三個方面提出了實施保障措施。信貸風(fēng)險是商業(yè)銀行面臨的主要風(fēng)險,是保證商業(yè)銀行自身資產(chǎn)安全的關(guān)鍵。本文在闡述商業(yè)銀行風(fēng)險管理理論的基礎(chǔ)上,結(jié)合長沙銀行中小企業(yè)信貸管理工作中的疑點、難點問題,研究了當(dāng)前長沙銀行在中小企業(yè)信貸風(fēng)險管理中的經(jīng)驗,并總結(jié)了其存在的問題,分析了問題產(chǎn)生的原因,并根據(jù)上述分析有針對性地提出來提高中小企業(yè)信貸風(fēng)險管理的對策和實施保障。進(jìn)行中小企業(yè)信貸風(fēng)險管理研究,對長沙銀行在保持中小企業(yè)信貸總量增長的同時,防范信貸風(fēng)險、保持資產(chǎn)經(jīng)營安全性和盈利性具有重要的現(xiàn)實意義。
[Abstract]:Small and medium-sized enterprises play an important role in promoting economic development, flourishing market economy, expanding employment, increasing financial income and so on.Since the international financial crisis, governments at all levels have issued policies to increase financial support to SMEs, to solve the problem of financing difficulties for SMEs.The credit business is the important business aspect of the bank management, it is the foundation to maintain the bank survival and development, and the bank credit is the most important exogenous financing channel for the small and medium-sized enterprises, which is maturing day by day in the direct financing market.Under the situation that banks compete for customers of large and high quality enterprises more and more, tapping the customer resources of small and medium-sized enterprises and expanding the credit of small and medium-sized enterprises will become the new growth point of bank credit business.This paper first summarizes the organization, target and cycle, income model, credit support model of SME credit risk management.Then adopting the analysis mode of combining theory with practice, this paper introduces the development and risk management status of SME credit business in Changsha Bank, and selects the two angles of information asymmetry between banks and enterprises and the lack of scale effect in credit risk management of small and medium-sized enterprises.This paper analyzes the common difficulties in credit risk management of small and medium-sized enterprises in commercial banks.From the credit risk management system, the technical means of risk management and the mode of SME credit management, this paper analyzes the problems existing in the credit risk management of the small and medium-sized enterprises of Changsha Bank, and considers that it is the internal control of Changsha Bank.The defects of SMEs' own management and external financial environment have caused many problems in credit risk management of SMEs.Finally, from the risk management system construction, the credit rating system construction, the target customer selection optimization, the product design optimization, the credit model innovation and so on aspect related countermeasure suggestion, and from the organization structure,Three aspects of human resource management and credit risk management culture construction are put forward.Credit risk is the main risk faced by commercial banks and the key to ensure the security of their own assets.On the basis of elaborating the theory of commercial bank risk management, this paper studies the experience of Changsha Bank in credit risk management of small and medium-sized enterprises, combining with the doubtful and difficult problems in the credit management of small and medium-sized enterprises in Changsha Bank.The paper summarizes the existing problems, analyzes the causes of the problems, and puts forward countermeasures and implementation guarantees to improve the credit risk management of small and medium-sized enterprises according to the above analysis.The research on credit risk management of small and medium-sized enterprises is of great practical significance to Changsha Bank in keeping the total credit volume of small and medium-sized enterprises increasing, preventing the credit risk and keeping the security of assets management and profitability at the same time.
【學(xué)位授予單位】：湖南大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2015
【分類號】：F832.4

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