本文選題：小微企業(yè) + 信貸風(fēng)險��； 參考：《吉林大學(xué)》2013年碩士論文

【摘要】：在我國的經(jīng)濟(jì)發(fā)展中，小微企業(yè)的重要性變的越發(fā)突出。我國的商業(yè)銀行為了開發(fā)更加廣闊的市場以及獲取更大的投資回報利潤，勢必將小微企業(yè)的信貸業(yè)務(wù)市場作為重要的發(fā)展區(qū)域。銀行作為一個極具特殊性的金融機(jī)構(gòu)，它在正常運營的過程中常常面臨著不同類型的風(fēng)險，其中的信貸風(fēng)險最為突出。另外，由于我國的商業(yè)銀行不規(guī)范的操作流程、落后的管理觀念以及小微企業(yè)運轉(zhuǎn)的特殊性質(zhì)，小微企業(yè)的信貸業(yè)務(wù)風(fēng)險，在貸款的管理和業(yè)務(wù)的受理過程中變的更加難以控制。所以，合理的控制小微企業(yè)信貸業(yè)務(wù)的風(fēng)險，不但關(guān)系到商業(yè)銀行的競爭能力和經(jīng)營成果，嚴(yán)重時甚至能對商業(yè)銀行能否生存下去造成強(qiáng)烈的威脅。因此，研究商業(yè)銀行的小微企業(yè)信貸業(yè)務(wù)風(fēng)險管理，對商業(yè)銀行來說具有重要的現(xiàn)實意義。 本文以吉林銀行為例,第一章介紹了選題的背景和意義。介于本論文的研究課題為吉林銀行小微企業(yè)信貸業(yè)務(wù)風(fēng)險管理的研究，因此文章選題背景中首先從小微企業(yè)對我國經(jīng)濟(jì)的重要性出發(fā)，以小微企業(yè)融資難的原因來突出風(fēng)險管理的重要作用，并強(qiáng)調(diào)了小微企業(yè)市場對商業(yè)銀行的意義。同時，在本章中介紹的還有研究的方法和予解決的問題。 第二章主要研究的是吉林銀行小微企業(yè)信貸業(yè)務(wù)風(fēng)險管理現(xiàn)狀與問題。包括以下三個方面：小微企業(yè)業(yè)務(wù)開展情況、吉林銀行小微企業(yè)信貸業(yè)務(wù)風(fēng)險管理現(xiàn)狀以及吉林銀行小微企業(yè)信貸業(yè)務(wù)風(fēng)險管理存在的問題。在吉林銀行的小微企業(yè)業(yè)務(wù)開展情況中，，為使本文的數(shù)據(jù)具有更加的說服力，論文中全部都是搜集截止到2012年的銀行小微企業(yè)信貸業(yè)務(wù)的最新概況。 第三章論述了吉林銀行小微企業(yè)信貸業(yè)務(wù)風(fēng)險分析。通過整體情況的分析，吉林銀行小微企業(yè)信貸業(yè)務(wù)風(fēng)險主要包括信用、政策以及管理等幾個方面的風(fēng)險。吉林銀行的信貸業(yè)務(wù)風(fēng)險產(chǎn)生的原因包括兩種：即內(nèi)部原因和外部原因。 第四章分別從吉林銀行小微企業(yè)貸款業(yè)務(wù)風(fēng)險管理體系、流程改進(jìn)方案和貸后風(fēng)險檢查體系三個方面提出了吉林銀行小微企業(yè)信貸業(yè)務(wù)風(fēng)險管理的改進(jìn)方案。在體系建設(shè)方面：強(qiáng)化貸前風(fēng)險控制環(huán)節(jié)，重視事后問題貸款和不良貸款的處里,設(shè)計貸款責(zé)任追究制度。在流程的改進(jìn)中：保證擔(dān)保的調(diào)查，改進(jìn)貸款的額度、期限、利率和還款方式以及提出關(guān)于土地和建筑等抵押物的要求等；最后銀行對信貸業(yè)務(wù)的貸后控制是通過對業(yè)務(wù)完成后反饋回來的信貸風(fēng)險的控制來完成的，通過貸后的管理實現(xiàn)這種控制。 文章最后提出了吉林銀行小微企業(yè)信貸業(yè)務(wù)風(fēng)險管理方案實施保障措施。
[Abstract]:In China's economic development, the importance of small and micro enterprises has become more and more prominent. In order to develop a wider market and obtain a greater return on investment, the commercial banks of our country are bound to take the credit market of small and micro enterprises as an important development area. As a special financial institution, banks often face different types of risks in their normal operation, among which the credit risk is the most prominent. In addition, due to the irregular operation process of commercial banks in our country, the backward management concept and the special nature of the operation of small and micro enterprises, the credit business risks of small and micro enterprises, In the management of loans and business processing process becomes more difficult to control. Therefore, the reasonable control of the risk of small and micro enterprise credit business, not only related to the competitiveness and business results of commercial banks, but also can pose a strong threat to the survival of commercial banks. Therefore, it is of great practical significance for commercial banks to study the risk management of small and micro-enterprise credit business in commercial banks. This paper takes Jilin Bank as an example, the first chapter introduces the background and significance of the topic. As the research topic of this thesis is the risk management of the credit business of Jilin Bank, the background of this paper firstly starts from the importance of small and micro enterprises to the economy of our country. This paper emphasizes the important role of risk management in the financing of small and micro enterprises, and emphasizes the significance of the market of small and micro enterprises to commercial banks. At the same time, this chapter also introduces the research methods and the problems to be solved. The second chapter mainly studies the present situation and problems of credit risk management of Jilin Bank. It includes the following three aspects: the development of small and micro enterprises, the current situation of credit risk management in Jilin Bank and the problems in credit risk management of Jilin bank. In order to make the data of this paper more persuasive in the development of the small and micro enterprise business of Jilin Bank, all the papers collect the latest survey of the credit business of the small and micro enterprise of the bank up to 2012. The third chapter discusses the risk analysis of the small and micro enterprise credit business of Jilin Bank. Through the analysis of the whole situation, the risk of the small and micro enterprise credit business of Jilin Bank mainly includes the risk of credit, policy and management. There are two reasons for the credit risk of Jilin Bank: internal reason and external reason. In the fourth chapter, the author puts forward the improvement scheme of credit risk management of Jilin Bank from three aspects: loan risk management system, process improvement scheme and post-loan risk inspection system. In the aspect of system construction, we should strengthen the risk control before loan, pay attention to the problem loan and non-performing loan, and design the system of investigating loan liability. In the process improvement: guarantee the investigation of guarantee, improve the loan amount, term, interest rate and repayment method, and put forward the demand for land and construction, etc.; Finally, the bank's post-credit control is accomplished through the control of the credit risk feedback after the completion of the business, and the control is realized through the post-credit management. Finally, the paper puts forward the guarantee measures of the risk management scheme for the small and micro enterprises of Jilin Bank.
【學(xué)位授予單位】：吉林大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2013
【分類號】：F832.42

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