本文關(guān)鍵詞：XX銀行杭州市分行小微企業(yè)貸款風(fēng)險(xiǎn)控制策略研究　出處：《吉林大學(xué)》2014年碩士論文　論文類型：學(xué)位論文

  更多相關(guān)文章： 小微企業(yè) 貸款風(fēng)險(xiǎn) 控制策略

【摘要】：目前，在各級(jí)政府及各地監(jiān)管部門的積極推動(dòng)和倡導(dǎo)下，包括國有商業(yè)銀行、股份制銀行、城商行等在內(nèi)的各類金融機(jī)構(gòu)均在致力于發(fā)展小微企業(yè)貸款業(yè)務(wù)，但由于小微企業(yè)與生俱來存在“逆向選擇”和“道德風(fēng)險(xiǎn)”等特征，容易造成銀行對(duì)小微企業(yè)貸款投入與產(chǎn)出比的失衡。上述問題困擾著各家商業(yè)銀行，也促使商業(yè)銀行在拓展小微企業(yè)貸款的過程中不斷地探求和摸索，以期走出一條符合各自風(fēng)險(xiǎn)偏好的發(fā)展之路。本文就XX銀行杭州市分行小微企業(yè)貸款風(fēng)險(xiǎn)控制策略為研究對(duì)象，，結(jié)合地區(qū)經(jīng)濟(jì)特色，通過分析現(xiàn)實(shí)狀況、引出存在困難、提出控制策略、指出發(fā)展方向。 本文首先介紹了小微企業(yè)貸款風(fēng)險(xiǎn)控制策略的研究背景與意義、研究內(nèi)容與方法；進(jìn)而借鑒部分小微企業(yè)貸款風(fēng)險(xiǎn)控制的相關(guān)概念及理論，包括小微企業(yè)及其貸款相關(guān)概念、商業(yè)銀行小微企業(yè)貸款風(fēng)險(xiǎn)控制相關(guān)理論；其后闡述XX銀行杭州市分行小微企業(yè)貸款風(fēng)險(xiǎn)控制現(xiàn)狀，即小微企業(yè)貸款的總體運(yùn)行情況、存在的主要風(fēng)險(xiǎn)狀況、目前采取的主要風(fēng)險(xiǎn)控制策略；在基于上述現(xiàn)狀的前提下本文對(duì)XX銀行杭州市分行小微企業(yè)貸款風(fēng)險(xiǎn)控制策略的缺陷進(jìn)行了分析，包括小微企業(yè)貸款產(chǎn)品的缺陷分析、客戶與業(yè)務(wù)準(zhǔn)入環(huán)節(jié)的缺陷分析、貸款調(diào)查和審批過程的缺陷分析、貸后管理環(huán)節(jié)的缺陷分析和風(fēng)險(xiǎn)控制流程設(shè)置的缺陷分析；最后結(jié)合部分國內(nèi)外商業(yè)銀行小微企業(yè)貸款風(fēng)險(xiǎn)控制策略，本文提出了完善XX銀行杭州市分行小微企業(yè)貸款風(fēng)險(xiǎn)控制策略的方法和手段。
[Abstract]:At present, in actively promoting the government and regulatory authorities around and advocates, including state-owned commercial banks, joint-stock banks, city commercial banks and other financial institutions of all kinds are committed to the development of Small and micro businesses loans, but because of Small and micro businesses born with "adverse selection" and "moral risk" the characteristics, easy to cause the bank to Small and micro businesses loans input and output ratio imbalance. The problems of commercial banks, also prompted commercial banks to continue to explore in the process of expanding Small and micro businesses loans and find, to go out with a different risk preference development. In this paper, the XX Bank of Hangzhou City Branch Small and micro businesses credit risk control strategy as the research object, combined with regional economic characteristics, through the analysis of the reality of the situation, there are difficulties leads, and puts forward the control strategy, pointed out the direction of development.
This paper first introduces the background and significance of the loan risk control strategy Small and micro businesses, research contents and methods; and learn the related concepts of loan risk control theory and some Small and micro businesses, including Small and micro businesses loans of commercial banks and its related concepts, Small and micro businesses credit risk control theory; then elaborated the XX Bank of Hangzhou City Branch Small and micro businesses credit risk control situation, the overall operation of the Small and micro businesses loans, the main risk conditions exist, the main risk is currently taking control strategy; in this paper, based on the current situation of the XX Bank branch in Hangzhou City, Small and micro businesses credit risk control strategies are analyzed, including small defect analysis micro enterprise loan products, analyzing the defects of customer and business access links, analyzing the defects of the approval process and the loan investigation, loan management of defects Analysis and analysis of the defects of risk control process settings. Finally, combined with the risk control strategies of small and micro businesses in some commercial banks at home and abroad, this paper proposes ways and means to improve the risk control strategies of small and micro businesses in XX bank Hangzhou branch.

【學(xué)位授予單位】：吉林大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類號(hào)】：F832.4;F276.3

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