首页 > 资料专栏 > 论文 > 经营论文 > 风险管理论文 > MBA毕业论文_L银行小微企业贷款业务的风险管理研究PDF

MBA毕业论文_L银行小微企业贷款业务的风险管理研究PDF

资料大小:1014KB(压缩后)
文档格式:PDF
资料语言:中文版/英文版/日文版
解压密码:m448
更新时间:2021/12/31(发布于河北)

类型:金牌资料
积分:--
推荐:升级会员

   点此下载 ==>> 点击下载文档


文本描述
小微企业是我国国民经济的重要组成部分,对经济发展、社会稳定起着重要作用。 城市商业银行是支持地方经济发展重要力量,为企业提供贷款支持,因为风险日益增加, 影响了其正常发展。 GL银行作为广西城市商业银行的代表,以中小企业授信为主,贷款利息收入是其 重要利润来源,在业务快速发展的同时,风险成倍速暴露,承受着巨大的风险管理压力。 小微企业贷款分析技术由国外引进,在国内的发展历史不长,与GL银行的风险管理体 系没有完全融合,风险管理体系不够完善。在风险识别阶段过度依赖信贷人员分析,没 有缺少行业性全面风险提示,以财务因素为主的风险识别方法没有全面、多维度、综合 反映企业的真实情况。 本论文分析了小微企业的定义、特点、贷款业务的风险情况、贷款业务风险管理的 方法及存在的问题,并对风险管理中所用到的理论基础进行了阐述。通过对GL银行进 行实地调查,了解了GL银行的贷款业务发展情况,现在所采用的业务流程和风险管理 流程,重点分析了风险管理体系、小微企业贷款的违约情况、风险处置方法。以GL银 行2018年底的贷款业务相关数据进行统计分析,分析了违约贷款的财务因素和非财务 因素,并分析了银行的小微企业贷款部门的机构设置、贷款流程、所采用的风险管理制 度,从风险识别、风险分析、风险控制三个方面找到GL银行风险管理的不足之处。提 出成立尽调中心、全面提示风险;利用大数据技术进行全面风险提示,加强行业风险的 提示,提升风险识别的全面性;构建内部评级制度、利用新一代信息技术构建分析系统, 利用财务数据和非财务数据全面分析客户风险;增设尽调中心,提高风险管理部门的独 立性;全面完善信贷部门的风险管理制度,加强与总行及所在异地支行的联系,利用总 行的资源,为小微企业贷款风险管理提供帮助;加强问责机制,全面提升风险控制等策 略,提高GL银行小微企业贷款业务的风险管理水平。 关键词:小微企业;贷款业务;风险管理;问题;提升策略 II STUDY ON RISK MANAGEMENT OF SMALL AND MICRO ENTERPRISE LOAN TRANSACTION OF GL BANK ABSTRACT Small and micro enterprises are an important part of China's national economy and play an important role in economic development and social stability. City commercial Banks are an important force in supporting local economic development, providing loan support to enterprises, because the increasing risks have affected their normal development. As a representative of Guangxi city commercial bank, GL bank mainly provides credit to small and medium-sized enterprises, and loan interest income is an important source of profit. With the rapid development of its business, GL bank is exposed to multiple risks at a rapid rate and is under great risk management pressure. The loan analysis technology of small and micro enterprises was introduced from abroad, which has a short development history in China and is not fully integrated with the risk management system of GL bank, and the risk management system is not perfect. In the stage of risk identification, it relies too much on the analysis of credit personnel, and there is no lack of industry risk warning. The risk identification method based on financial factors does not reflect the real situation of the enterprise comprehensively, multi-dimensionally and comprehensively. This paper analyzes the definition and characteristics of small and micro enterprises, the risk situation of loan business, the risk management methods of loan business and the existing problems, and expounds the theoretical basis used in risk management. Through the field investigation of GL bank, the development of GL bank's loan business, the current business process and risk management process are understood, and the risk management system, default situation of loans of small and micro enterprises and risk disposal methods are mainly analyzed. To GL bank loan business related data were statistically analyzed by the end of 2018, analyses the default loans financial factors and non-financial factors, and analyzes the small micro enterprise loans by Banks sector institutions, loan process, adopted by the risk management system, from risk identification, risk analysis, risk control from three aspects to find GL bank risk management deficiencies. Put forward the establishment of due diligence III center, comprehensive risk presentation; The use of big data technology to carry out a comprehensive risk reminder, strengthen the industry risk reminder, improve the risk identification of the comprehensive; Build internal rating system, use new generation information technology to build analysis system, use financial data and non-financial data to comprehensively analyze customer risk;Add due diligence center to enhance the independence of risk management department; Comprehensively improve the risk management system of the credit department, strengthen the contact with the head office and branches in other places, and provide help for the loan risk management of small and micro enterprises with the resources of the head office; Strengthen the accountability mechanism, comprehensively improve the risk control and other strategies, and improve the risk management level of small and micro businesses loan business of GL bank. KEY WORDS:Small and micro enterprises; Loan transaction; Problem; Promotion strategy IV 目 录 摘要 ................................................................................................................................. I ABSTRACT ...................................................................................................................... II 第一章 导论 ...................................................................................................................... 1 1.1研究的背景与意义 .............................................................................................. 1 1.1.1研究的背景 ............................................................................................... 1 1.1.2研究的意义 ............................................................................................... 2 1.2国内外文献综述 .................................................................................................. 4 1.2.1国外文献综述 ........................................................................................... 4 1.2.2国内文献综述 ........................................................................................... 5 1.3研究内容与研究方法 .......................................................................................... 7 1.3.1研究内容 ................................................................................................... 7 1.3.2研究方法 ................................................................................................... 8 1.4研究特色与局限 .................................................................................................. 8 第二章 相关概念界定与理论基础 .............................................................................. 10 2.1小微企业概述 .................................................................................................... 10 2.1.1 小微企业定义 ........................................................................................ 10 2.1.2小微企业特点 ......................................................................................... 11 2.1.3小微企业贷款业务风险 ......................................................................... 12 2.2商业银行小微企业贷款业务的风险管理 ........................................................ 12 2.2.1商业银行风险管理的定义 ..................................................................... 12 2.2.2商业银行小微企业贷款业务的风险管理过程 ..................................... 13 2.2.3商业银行小微企业贷款业务风险管理的主要问题 ............................. 14 2.3风险管理的相关理论基础 ................................................................................ 14 2.3.1全流程风险管理理论 ............................................................................. 14 2.3.2信息不对称理论 ..................................................................................... 15 2.3.3信贷配给理论 ......................................................................................... 16 第三章 GL银行小微企业贷款业务及风险管理现状 ................................................ 18 V 3.1GL银行简介 ..........