银行小微企业信贷风险管理研究 金融学专业.doc

该【银行小微企业信贷风险管理研究 金融学专业 】是由【老狐狸】上传分享，文档一共【27】页，该文档可以免费在线阅读，需要了解更多关于【银行小微企业信贷风险管理研究 金融学专业 】的内容，可以使用淘豆网的站内搜索功能，选择自己适合的文档，以下文字是截取该文章内的部分文字，如需要获得完整电子版，请下载此文档到您的设备，方便您编辑和打印。论文题目:贵阳银行小微企业信贷风险管理研究摘要在国有经济体系中,小微企业是十分重要的组成部分,经过长期不断的发展已经很大程度上关系着国民经济的命脉,对于其稳定程度也有了一定的作用。虽然长期以来小微企业的发展极大程度上的推动了中国国民经济产业的发展,但是我们仍然不能忽略的是在其发展的路途中也暴露出一系列问题。尤其进入2017年以来,银行银根收紧,对于小微企业的贷款限度也不断增加,导致小微企业融资遇到困难。为此,如何提升小微企业的信贷管理水平,解决其―融资难‖的问题,挖掘小微企业的发展潜力等已经成为当前商业银行急需解决的问题。因此,本文的研究对商业银行自身信贷业务的发展,以及促进小微企业发展,都具有十分重要的意义。本文以贵阳银行为最为主要的研究对象,从3个层面对这个问题进行分析,在第一小节中主要针对研究的整体背景环境、本次研究的主要意义,主要运用的研究的方法、技术路线以及小微企业信贷风险相关理论等内容进行叙述;第二部分在对贵阳银行小微企业信贷风险管理情况分析的基础上,提炼总结出该行信贷风险管理中存在的问题以及对存在问题进行深入分析;第三部分内容,在前文对贵阳银行现状与问题分析结果的基础上,从提升信用评级针对性、细化行业准入标准、整合信贷产品结构等多个方面提出小微企业信贷风险管理对策。研究结论:通过研究分析认为,贵阳银行为更好地控制小微信贷业务风险,需建立起更加完善的信用评级模型,加强其内部的评级管理。此外,要深入对于客户的分析,根据客户需求开发更多的信贷产品,并从产品端入手,进行风险防范。贵阳银行需要结合市场发展现状及小微信贷业务特征,不断进行业务的调整,并建立起更加完善的信贷流程跟踪及评价机制,将业务质量与职工的考核相挂钩,从而使自身更加适应小微信贷业务的需求,才能有效实现小微信贷业务发展规模的不断扩大,并积累更多的相关业务发展经验,从而形成自身发展特色及独特优势。关键词:贵阳银行;小微企业;信贷风险管理IIIABSTRACTAsthelifelineofChina'seconomy,ellsofChina'seconomy,smallandmicroenterprisesareunstable,andthemacro-,thecontractionofcreditscalecausedsmallandmicroenterprisestoincreasethedifficultyoffinancinginthefinancialsystem,andthecostofobtainingfinancingthroughprivatelendingwas"risingsteadily".Improvingtheriskmanagementlevelofsmallandmicroenterprises'mercialbanks,butalsotothesolutionofthe"difficultyoffinancing"insmallandmicroenterprises,thevalueofsmallandmicroenterprisesandthedevelopmentofourcountry',,takingtheBankofGuiyangastheresearchobject,:thefirstpartisintroduction:::Guiyangbankneedstostrengthentheinternalratingmanagementofcreditbusinessofsmallandmicroenterprises,,thecustomerserviceisregardedasthemanagementidea,ordingtodifferenttypesofcustomers,theproductssuitablefordifferenttypesofcustomersaredeveloped,,theBankofGuiyangcanadjustthebusinessmodelofsmallandmicrocreditbusinessintime,improvethesystemconstructionofsmallandmicrocreditbusiness,andthroughstrictprocesstrackingandincentiveassessmentmechanism,establishadevelopmentmodeladaptingtothecreditcharacteristicsofsmallandmicroenterprises,andfindandimprovetheexistingproblems,,andprovideusefulexperienceforthesmallandmicroenterprisesinthesameindustry,:Guiyangbank;smallandmicroenterprises;creditriskmanagementIV目录摘要.................................................................................................................................IABSTRACT.................................................................................................................III1绪论..........................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................、方法...........................................................................................................................................................................................................................................................................................................................................................72相关理论概述...........................................................................................................................................................................................................................................................................................8.........................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................143贵阳银行小微信贷业务发展及风险管理现状........................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................274贵阳银行小微信贷风险管理中存在的问题分析............................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................335贵阳银行小微信贷风险管理的对策研究.....................................................................................................................................................................................................................................35........................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................51