發(fā)布時(shí)間：2018-01-17 16:02

  本文關(guān)鍵詞：華夏銀行長春分行小微企業(yè)授信風(fēng)險(xiǎn)管理研究　出處：《吉林大學(xué)》2017年碩士論文　論文類型：學(xué)位論文

  更多相關(guān)文章： 小微企業(yè)授信 授信風(fēng)險(xiǎn) 風(fēng)險(xiǎn)管控 授信后管理 管理提升

【摘要】：作為國民經(jīng)濟(jì)發(fā)展的有力推動(dòng)器,廣泛分布于各行各業(yè)的小微企業(yè),已成為國民經(jīng)濟(jì)的重要組成部分,在創(chuàng)造巨大社會(huì)價(jià)值的同時(shí)也切實(shí)拉動(dòng)就業(yè)提升經(jīng)濟(jì)活力,然而小微企業(yè)卻長期被融資難題困擾。伴隨經(jīng)濟(jì)下行趨勢日漸明顯,吉林省乃至東北經(jīng)濟(jì)發(fā)展?fàn)顩r在全國范圍內(nèi)屈居末流,四大行以及各股份制商業(yè)銀行面對存量小微企業(yè)日益高啟的逾欠率及不良率,面對發(fā)展指標(biāo)和風(fēng)控指標(biāo)的雙重壓力,在小微企業(yè)授信方面已逐步調(diào)整工作思路。吉林地區(qū)同業(yè)調(diào)查數(shù)據(jù)顯示,2016年開始包括中行、建行、民生、中信、興業(yè)銀行已經(jīng)停止了對小微企業(yè)授信的準(zhǔn)入或變相提高了小微企業(yè)的準(zhǔn)入標(biāo)準(zhǔn),對于存量業(yè)務(wù),一律采取能夠退出就退出的政策;而工行、交行、華夏、吉林銀行、九臺(tái)農(nóng)商行雖然仍然堅(jiān)持對優(yōu)質(zhì)小微企業(yè)給予授信支持,但授信準(zhǔn)入門檻明顯提高。在這樣的大環(huán)境下,如何對小微企業(yè)信貸風(fēng)險(xiǎn)進(jìn)行科學(xué)、有效的管理,如何在保證助力小微企業(yè)發(fā)展的同時(shí)保證分行小微企業(yè)授信業(yè)務(wù)的健康可持續(xù)發(fā)展,完成總行下達(dá)的各項(xiàng)指標(biāo),成為華夏銀行長春分行小微企業(yè)金融部也就是筆者所在部門的當(dāng)務(wù)之急。本文通過對華夏銀行長春分行小微企業(yè)授信業(yè)務(wù)見狀及風(fēng)險(xiǎn)管理架構(gòu)進(jìn)行分析,結(jié)合小微企業(yè)授信業(yè)務(wù)風(fēng)控特點(diǎn)和授信產(chǎn)品特點(diǎn),對比分行整體風(fēng)險(xiǎn)管控系統(tǒng)運(yùn)行模式,對華夏銀行長春分行小微企業(yè)授信業(yè)務(wù)風(fēng)險(xiǎn)管理實(shí)踐進(jìn)行調(diào)研分析,分析認(rèn)為,目前華夏銀行長春分行逾欠以及不良率在一年時(shí)間集中爆發(fā)的原因主要包括五個(gè)方面:一是批量授信準(zhǔn)入過于盲目,貿(mào)易背景真實(shí)性核查不嚴(yán),二是過分注重?fù)?dān)保,忽略對第一還款來源的把控,三是貸后管理重形式而輕實(shí)質(zhì),四是逾欠貸款及不良資產(chǎn)清收處置力度不足,五是小微企業(yè)貸款的系統(tǒng)性風(fēng)險(xiǎn)突出。為了優(yōu)化華夏銀行長春分行小微企業(yè)授信管理整體水平,本文運(yùn)用“小企業(yè)零售及非零售評級分析法”、“一般及特別風(fēng)險(xiǎn)預(yù)警信號體系建設(shè)”等授信風(fēng)險(xiǎn)理論,并對華夏銀行長春分行小企業(yè)條線授信工作風(fēng)控流程涉及客戶經(jīng)理、客戶經(jīng)理主管、專職審批人、貸后管理崗以及風(fēng)險(xiǎn)總監(jiān)在內(nèi)的風(fēng)險(xiǎn)管理人員進(jìn)行了面談,結(jié)合筆者自身從事多年小微企業(yè)授信審批工作的工作經(jīng)驗(yàn),得到以下結(jié)論:一是為了確保批量開發(fā)業(yè)務(wù)的穩(wěn)步健康發(fā)展,分行需進(jìn)一步強(qiáng)化平臺(tái)客戶全流程管理,二是為提高小微企業(yè)存量業(yè)務(wù)信貸資產(chǎn)質(zhì)量;分行需進(jìn)一步強(qiáng)化單一客戶授信管理;三是為實(shí)現(xiàn)對風(fēng)險(xiǎn)預(yù)警信號的早期識別,防范信用風(fēng)險(xiǎn),分行需進(jìn)一步提高對小微企業(yè)的授信后管理能力,具體包括建立完善的資產(chǎn)質(zhì)量檢測制度,并及時(shí)對問題貸款采取有效的保全措施以及豐富授信后管理的手段;四是探索多樣化的逾欠貸款清收化解手段;五是建立授信客戶分級風(fēng)險(xiǎn)管理體系,提高風(fēng)險(xiǎn)管控能力。
[Abstract]:As a powerful driving force in the development of the national economy, small and micro enterprises, which are widely distributed in various industries, have become an important part of the national economy. While creating huge social value and promoting employment to enhance economic vitality, small and micro enterprises have long been troubled by the financing problem, along with the economic downward trend is becoming increasingly obvious. Jilin Province and even the northeast of China's economic development status in the country, the four banks and the stock system of commercial banks in the face of the stock of small and micro enterprises increasingly high rate of excess and bad. In the face of the double pressure of development indicators and wind control indicators, in the small and micro enterprise credit has gradually adjusted the way of thinking. Jilin region interbank survey data show that in 2016, including Bank of China, Construction Bank, people's livelihood, Citic. Societe Generale Bank has stopped granting credit to small and micro enterprises or disguised to improve the access standards of small and micro enterprises, for the stock business, all can withdraw from the policy of exit; And ICBC, Bank of Communications, Huaxia, Jilin Bank, Nine Taiwan Agricultural and Commercial Bank, although still adhere to the quality of small and micro enterprises to give credit support, but credit entry threshold significantly increased. In such a large environment. How to carry on the scientific and effective management to the credit risk of the small and micro enterprises and how to ensure the healthy and sustainable development of the credit business of the branch small and micro enterprises while helping the development of the small and micro enterprises. Complete the target issued by the head office. To become the financial department of small and micro enterprises of Changchun branch of Huaxia Bank is the urgent matter of my department. This paper analyzes the letter of credit business and risk management framework of Changchun branch of Huaxia Bank. Combined with the risk control characteristics of small and micro enterprises credit business and the characteristics of credit products, compared with the operation mode of the whole risk control system of branch, the risk management practice of small and micro enterprises in Changchun branch of Huaxia Bank is investigated and analyzed. It is believed that the reasons for the shortage of Changchun branch of Huaxia Bank and the failure rate in one year mainly include five aspects: first, the bulk credit access is too blind, and the authenticity of the trade background is not strictly verified. The second is to pay too much attention to the guarantee, ignoring the control of the first source of repayment, the third is that the management after the loan is more important than the essence, and the fourth is that the disposal of the outstanding loans and non-performing assets is not enough. In order to optimize the overall level of credit management of small and micro enterprises in Changchun Branch of Huaxia Bank, this paper uses the "small Business Retail and Non-Retail rating Analysis method". "General and special risk early warning signal system construction" and other credit risk theory, and the risk control process of small enterprises in Changchun branch of Huaxia Bank involves account managers, account managers, full-time approvers. After the loan management post and risk management staff including the director of risk were interviewed, combined with the author engaged in many years of small and micro enterprise credit approval work experience. The conclusions are as follows: first, in order to ensure the steady and healthy development of batch development business, branches need to further strengthen the platform customer full process management, the second is to improve the quality of credit assets of small and micro enterprises stock business; Branches need to further strengthen the single customer credit management; Third, in order to realize the early identification of risk warning signal and prevent credit risk, branches need to further improve the ability of post-credit management of small and micro enterprises, including the establishment of a perfect asset quality testing system. And timely take effective preservation measures to the problem loan and enrich the means of post-credit management; Fourth, to explore the diversification of the settlement of outstanding loans; Fifth, establish a credit-granting customer rating risk management system to improve risk management ability.
【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】：2017
【分類號】：F832.4;F276.3;F275

【相似文獻(xiàn)】

相關(guān)期刊論文 前10條

1 張默蕙;企業(yè)收到銀行承兌匯票該如何處理[J];經(jīng)濟(jì)師;2000年08期

2 馬原,趙喜朝;銀行承兌匯票承兌業(yè)務(wù)的風(fēng)險(xiǎn)與防范[J];金融理論與實(shí)踐;2000年03期

3 常江,李竣峰;淺析銀行承兌匯票的風(fēng)險(xiǎn)防范與化解[J];山西財(cái)政稅務(wù)�？茖W(xué)校學(xué)報(bào);2000年03期

4 劉春艷;銀行承兌匯票業(yè)務(wù)中存在的問題及對策[J];廣西審計(jì);2000年06期

5 吳明江;如何識別假銀行承兌匯票[J];現(xiàn)代商業(yè)銀行;2000年01期

6 林桂國;嚴(yán)格匯票管理 筑牢防范堤壩─—從識破一起200萬元假銀行承兌匯票中引起的反思[J];現(xiàn)代商業(yè)銀行;2000年02期

7 馬軍;銀行承兌匯票風(fēng)險(xiǎn)值得關(guān)注[J];現(xiàn)代商業(yè)銀行;2000年03期

8 唐荻;淺談銀行承兌匯票運(yùn)作中存在的問題及對策[J];青海金融;2000年03期

9 岳永生;當(dāng)前銀行承兌匯票辦理中存在的問題[J];新疆金融;2000年11期

10 李景明,夏敏;關(guān)于銀行承兌匯票管理的幾點(diǎn)認(rèn)識[J];冶金財(cái)會(huì);2000年12期

相關(guān)會(huì)議論文 前10條

1 徐建平;;銀行承兌匯票的風(fēng)險(xiǎn)成因及對策[A];陜西省金融學(xué)會(huì)第十屆金融征文評選集[C];2004年

2 俊峰;;關(guān)于銀行承兌匯票與貨幣資金協(xié)調(diào)運(yùn)用的思考[A];第五屆中國煤炭經(jīng)濟(jì)管理論壇暨2004年中國煤炭學(xué)會(huì)經(jīng)濟(jì)管理專業(yè)委員會(huì)年會(huì)論文集[C];2004年

3 國家開發(fā)銀行課題組;劉大為;;我國中小企業(yè)問接融資問題研究[A];銀行與投資——中國投資學(xué)會(huì)2005—2006年度獲獎(jiǎng)科研課題選編[C];2005年

4 宋照來;;銀行內(nèi)部資源市場化配置論[A];中國制度經(jīng)濟(jì)學(xué)年會(huì)論文集[C];2003年

5 ;銀行舞弊風(fēng)險(xiǎn)性分析及防范對策[A];舞弊的防范與檢查論文匯編[C];2005年

6 時(shí)紅秀;;對《制度、合約與企業(yè)行為——永康民間票據(jù)市場研究》一文的評論[A];中國制度變遷的案例研究（浙江卷）第五集[C];2006年

7 ;漳澤發(fā)電分公司“瘦身”措施深挖降本潛力[A];《電站信息》2012年第10期[C];2012年

8 傅勝原;;試探中小企業(yè)融資難的銀企問題[A];江西省撫州市社科聯(lián)論文集（2002-2003）經(jīng)濟(jì)類[C];2003年

9 ;第三章 支付工具任您選[A];匯通天下——支付結(jié)算知識漫談[C];2012年

10 ;物流銀行:融資新軍[A];中國物流與采購聯(lián)合會(huì)會(huì)員通訊總第74期—84期（2005年）[C];2005年

相關(guān)重要報(bào)紙文章 前10條

1 郭萬河 史正夫;淺談銀行承兌匯票的風(fēng)險(xiǎn)及防范[N];中國城鄉(xiāng)金融報(bào);2004年

2 交通銀行蘭州分行 汪志民;鑒別銀行承兌匯票[N];金融時(shí)報(bào);2001年

3 杜小寧;企業(yè)為何青睞“銀行承兌匯票”融資[N];中國鄉(xiāng)鎮(zhèn)企業(yè)報(bào);2003年

4 馬軍生;從個(gè)案看銀行承兌匯票內(nèi)部控制[N];財(cái)會(huì)信報(bào);2006年

5 姜金平;德州分行7年累辦銀行承兌匯票132億元墊付[N];中國城鄉(xiāng)金融報(bào);2006年

6 記者 胡曉梅;銀行承兌匯票成非法集資吸收對象[N];河北經(jīng)濟(jì)日報(bào);2009年

7 熱格吉德;鄂爾多斯市銀行承兌匯票業(yè)務(wù)發(fā)展迅速[N];內(nèi)蒙古日報(bào)(漢);2009年

8 本報(bào)記者 ，

本文編號：1436932