银行小微企业信贷风险管理研究金融学专业.docx

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 ABSTRACT As the lifeline of China's economy, small and micro enterprises are the basic cells of China's economy, small and micro enterprises are unstable, and the macro-economy is hard to improve for a long time. At the end of 2017, the contraction of credit scale caused small and micro enterprises to increase the difficulty of financing in the financial system, and the cost of obtaining financing through private lending was "rising steadily". Improving the risk management level of small and micro enterprises' credit business is of great strategic significance not only to the development of commercial banks, but also to the solution of the "difficulty of financing" in small and micro enterprises, the value of small and micro enterprises and the development of our country's economy. As a pioneer of small and micro credit business in China, the Bank of Guiyang will serve small and micro enterprises as an enterprise implementation strategy and actively explore the financial support for small and micro enterprises. This paper, taking the Bank of Guiyang as the research object, summarizes the problems and experiences of the small and micro credit business of domestic commercial banks at the present stage. The full text is divided into six parts: the first part is introduction: the second part mainly introduces the definition of small and micro enterprises and the present situation of small and micro credit business and risk management. The third part takes the Bank of Guiyang as an example to explain the present situation of the development of small and micro credit business and the related risk management status: the fourth part analyses the small and micro Bank of the Bank of Guiyang. The problems still exist in the rapid development and innovation of credit risk management. The fifth part is based on the above problems to put forward the risk management model and optimization strategy suitable for the development of small and micro credit business in Guiyang bank. The sixth part is the summary of the article. Research conclusion: Guiyang bank needs to strengthen the internal rating management of credit business of small and micro enterprises, and establish an independent credit rating model for small and micro enterprises. At the same time, the customer service is regarded as the management idea, the product innovation mechanism is perfected according to different types of customers, the products suitable for different types of customers are developed, and the credit risk of small and micro enterprises is prevented from the end of the product. Only according to the market situation and the characteristics of small and micro enterprises, the Bank of Guiyang can adjust the business model of small and micro credit business in time, improve the system construction of small and micro credit business, and through strict process tracking and incentive assessment mechanism, establish a development model adapting to the credit characteristics of small and micro enterprises, and find and improve the existing problems, small and micro. The credit business will expand rapidly at the same time that the risk is controllable, and provide useful experience for the small and micro enterprises in the same industry, and gradually form their own operating characteristics and competitive advantages. Key words: Guiyang bank; small and micro enterprises; credit risk management 目录 摘要 I ABSTRACT II 1 绪论 1 1.1 研究背景及意义 1 1.1.1 研究背景 1 1.1.2 研究意义 2 1.2 研究综述 3 1.2.1 国外研究综述 3 1.2.2 国内研究综述 4 1.3 本文研究思路和主要内容、方法 6 1.3.1 研究思路 6 1.3.2 主要内容 7 1.3.3 研究方法 8 2 相关理论概述 9 2.1 小微企业基本概念 9 2.1.1 小微企业界定 9 2.1.2 小微企业特点 10 2.1.3 小微企业信贷风险 11 2.1.4 小微企业信贷风险产生的原因 12 2.2 小微企业信贷风险管理的相关理论 13 2.2.1 企业生命周期理论 13 2.2.2 信息不对称理论 14 2.2.3 信贷配给理论 15 2.2.4 交易费用理论 15 3 贵阳银行小微信贷业务发展及风险管理现状 17 3.1 贵阳银行概况 17 3.1.1 贵阳银行简介 17 3.1.2 贵阳银行特色服务 18 3.1.3 贵阳银行组织结构 19 3.2 贵阳银行小微企业信贷风险管理情况 23 3.2.1 客户分布 23 3.2.2 信贷特点 24 3.2.3 风控流程 28 3.2.4 管理成效 30 4 贵阳银行小微信贷风险管理中存在的问题分析 33 4.1 存在的主要问题 33 4.1.1 信用评级指标不完善 33 4.1.2 行业准入标准不成熟 33 4.1.3 信贷产品竞争力不强 34 4.1.4 贷后管理环节较薄弱 34 4.2 原因分析 34 4.2.1 信用评级体系针对性不强 34 4.2.2 行业准入标准未细化更