本文以小微企业信贷风险管理为研究对象,借鉴国内外小微企业融资和信贷
风险管理的相关理论,对Z农商银行中关于小微企业信贷风险管理存在的各种问
题进行了详细的研究和分析,按照提出问题、分析问题和解决问题的步骤,根据Z
农商银行小微企业信贷风险管理的实际问题,得到了相关研究结果,并根据结果
针对性的提出一套有关信贷风险管理优化的思路:首先,在战略上完善小微企业
风险管理职能和架构;其次,在制度上构建严密的风险管理体系,建立高效的风
险管理信息系统,加强小微企业信贷产品创新;最后,通过培育全员的信贷风险
管理文化,打造专业的信贷服务团队,紧跟国家政策完善信贷服务等措施,搭建Z
农商银行小微企业信贷风险管理优化的保障体系。期望本文能对商业银行完善和
优化小微企业信贷风险管理有所借鉴。本文由以下六部分构成:
第一章绪论,详细阐述了本文的研究背景、国内外研宄动态与述评、研究思
路及方法;第二章是相关概念界定及小微企业信贷风险管理研宄的理论基础;第
三章主要分析了Z农商银行小微企业信贷风险管理现状,提出存在的问题有:缺
乏相匹配的组织结构,缺乏专业的信贷业务管理模式,缺乏科学的信贷风险识别、
计量体系,风险预警机制不健全,小微企业信贷产品单一,并对原因进行了分析;
第四章提出了对Z农商银行小微企业信贷风险管理优化的目标、原则和内容,主
要包含了优化小微企业信贷组织结构、改进小微企业信贷业务管理模式、构建小
微企业信用评估体系、建立高效的风险管理信息系统以及加强小微企业信贷产品
创新;第五章在优化Z农商银行小微企业信贷风险管理的基础上,丰富了优化实
施的相关保障措施。第六章对全文进行总结,并提出了主要研宄不足与展望
关键词:商业银行;小微企业;信贷风险管理
I Abstract
At present^ China’s economic development has entered a new normal stage,which
is led by adjusting structure with transfer mode. After experiencing the speed shift,
China&39;s ML economy trend has been basically established and will continue to run low
in the next period of time. With the economic transformation, small and micro
enterprises occupy an increasingly important position in the national economy, which
accounts for almost half of the economy. However, due to the characteristics of not
clear property rights, single capital structure, irrational industrial structure and blind
pursuit of expansion,financing difficulties have become a problem restricting the
development of small and micro enterprises. Compared with large and medium
enterprises, credit release of small and micro enterprises is more risky. How to
strengthen the credit risk management of small and micro enterprises has become an
important topic of financial institutions.
In this paper, existing problems in Z Rural Commercial Bank on the credit risk
management of small and micro enterprises are studied and analyzes in detail with
credit risk management of small and micro enterprises as the research object referencing
relevant theories of financing and credit risk management of domestic and forei^i small
and micro enterprises. The related research results are obtained according to the
procedure of proposing, analyzing and solving problems and the actual problems of
credit risk management of small and micro businesses of Z Rural Commercial Bank.
According to the results, a set of ideas about the optimization of credit risk management
is proposed. First is to improve the risk management functions and architecture of small
and micro enterprises strategically. Second is to a strict risk management system in
system, establish an efficient risk management information system, and strengthen the
innovation of credit products of small and micro enterprises. Final is to create a
professional credit service team through the cultivation of credit risk management
culture and build the guarantee system to optimize the credit risk management system of
small and micro enterprises of Z Rural Commercial Bank following the national policy
to improve credit services and other measures. It is hoped that this paper could provide
III reference to improve and optimize the credit risk management of small and micro
enterprises. This paper consists of the following six parts:
The first chapter is introduction, in which the research background, domestic and
foreign research trends and comments, research ideas and methods are described in
detail. The second chapter is the definition of related concepts and the theoretical basis
of the research on the credit risk management of small and micro enterprises. In the
third chapter, the present situation of the credit risk management of small and micro
enterprises of Z Rural Commercial Bank is analyzed and present problems are: lack of
matching organizational structure, lack of professional credit business management
model, lack of scientific identification and measurement system of credit risk, imperfect
early warning mechanism of risk and single credit products of small and micro
enterprises. The reasons are then analyzed. In the fourth chapter, the target, principle
and content of credit risk management optimization of small and micro businesses of Z
Rural Commercial Bank are proposed, including the optimization of the credit
organization structure of small and micro enterprises, improvement of credit business
management mode of small and micro enterprises, construction of credit evaluation
system for small and micro enterprises, establishment of an efficient risk management
information system and strengthening credit product innovation of small and micro
enterprises. In the fifth chapter, the relevant safeguards for the optimized
implementation are enriched on the basis of optimizing the credit risk management of
small and micro enterprises of Z Rural Commercial Bank. The sixth chapter is the
summarization of the full text, in which the main research problems and prospects are
proposed.
Keywords: Commercial bank; Small and micro enterprises; Credit risk
management
IV 目录
m w: i
Abstract Ill
胃1胃绪论 1
1.1研宄背景与意义1.1.1研究背景1.1.2研究意义1.2国内外研究动态及述评1.2.1国外研究动态1.2.2国内研究动态1.2.3研究述评
6 -
1.3研宄思路及方法1.3.1研究思路1.3.2研究方法1.4论文的创新之处第2章小微企业信贷风险管理研究的理论基础i.
2.1相关概念界定2.1.1小微企业2.1.2信贷风险2.1.3小微企业信贷风险2.2小微企业信贷风险的主要影响因素2.2.1宏观经济因素2.2.2银行自身因素2.3理论基础2.3.1信息不对称理论2.3.2信贷配给理论2.3.3内部控制理论第3章Z农商银行小微企业信贷风险及管理问题分析v 3.1 Z农商银行概况3.2 Z农商银行小微企业信贷风险管理现状
22
3.2.1贷前风险管理现状
22
3.2.2贷中风险管理现状
25
3.2.3贷后风险管理现状
26
3.3 Z农商银行小微企业信贷风险管理存在问题
27
3.3.1缺乏与小微企业信贷业务相匹配的组织结构
27
3.3.2缺乏专业的信贷业务管理模式
28
3.3.3缺乏针对小微企业信贷风险的识别、计量体系
29
3.3.4缺乏小微企业信贷风险预警机制
30
3.3.5缺乏丰富的小微企业信贷产品
30
3.4 Z农商银行小微企业信贷风险管理问题形成因素
31
3.4_1银企信息不对称
31
3.4.2信贷人才队伍建设不完善
31
3.4.3信贷风险管理制度相对滞后
32
第4章Z农商银行小微企业信贷风险管理优化
35
4.1优化目标
35
4.2优化原则
35
4.2.1重要性原则
35
4.2.2标准化原则
36
4.2.3动态性原则
36
4.2.4平衡性原则
36
4.3优化内容
37
4.3.1优化小微企业信贷组织结构
37
4.3.2改进小微企业信贷业务管理模式
38
4.3.3构建小微企业信用评估体系
41
4.3.4建立高效的风险管理信息系统
41
4.3.5加强小微企业信贷产品创新
42
第5章Z农商银行小微企业信贷风险管理优化的保障措施
45
5.1培育全员的信贷风险管理文化
45
5.2打造专业的信贷服务团队
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