【作者】 刘燕；

【导师】 王晋忠；

【作者基本信息】 西南财经大学 ， 工商管理（MBA）（专业学位）， 2018， 硕士

【摘要】 随着全球化进程的加快,我国国民生活水平大步提高,企业不断发展壮大,而且为了人们投资的需要以及企业更好的发展,企业往往会从银行贷款,与银行形成信贷关系。然而金融危机的爆发和波动对金融行业也会产生重大的影响,商业银行的可持续发展离不开良好的信贷市场环境,对社会和谐和经济发展起到十分大的推动作用。因此,我国商业银行必须加强对信贷业务的风险管理,梳理自身银行信贷风险管理规范与流程,保障我国银行业信贷业务的健康发展。本文的研究对象C银行主要负责建设在C地区的金融业务活动,C银行长期以来一直致力于小微企业信贷的发展,主要小微金融产品有“科票通”、“科创贷”、“多融易”、“结结高”、“银税通”等10余种款产品,包括抵押、信用、质押、票据等多类型的信用贷款产品。C银行长期以来也十分注重对小微企业的信贷风险管理工作,十分注重风险的防范,形成了一整套较为科学、规范的风险管理体制,对风险分析、风险评定、风险体系设计等有规范而严格的要求,但随着国内外金融市场内外部环境的不断变化,C银行在小微企业信贷风险管理上,也存在着一定的不足,如何提升小微企业信贷风险管理水平,保障C银行的经营质量,是C银行所面临的重要挑战,本文正是在这一背景下,开展相关的研究。本文首先简单介绍了C银行信贷风险及相关问题的研究背景、目的与意义,对小微企业、信贷风险、信贷风险管理等概念进行了界定,并且在收集国内外关于信贷风险理论与实践研究的基础上,对国内外近几年对信贷风险管理的研究成果进行了综述,为后文的研究奠定夯实的理论基础。其次从小微企业信贷产品现状、贷款规模、贷款结构、贷款质量等方面对C银行信贷业务风险管理现状分析进行了分析,探明了C银行信贷风险管理中存在风险集中态势较为明显、内部风险管理存在不足、发现风险点并进行及时控制的力度不足等问题,而导致这些问题的原因主要包括C银行小微企业信贷贷前调查不尽责、贷后审查规定不完善、银行对自身客户经理的日常管理和业务培训不到位、风险评估和评价体系不完善等。为了解决这些问题,提出了C银行信贷风险管理的优化对策,主要措施包括加强贷前调查,审慎发放信用贷款、加强小微企业信贷贷后管理、制定客户退出计划、优化信贷风险管理流程与培训工作、优化信贷风险管理流程、强化组织的培训工作、预警模型的建立等。希望通过本文的研究,能够从根本上解决C银行信贷风险存在的问题,提高其信贷风险管理能力和水平,从而提高客户满意度和忠诚度,吸引更多的客户,实现C银行的可持续发展,提高其市场竞争力。更多还原

【Abstract】 With the acceleration of globalization,China’s national standard of living has been greatly improved,and enterprises are growing stronger and stronger.And for the needs of people’s investment and the better development of enterprises,enterprises often borrow from banks and form credit relationships with banks.However,the outbreak and fluctuation of the financial crisis will also have a significant impact on the financial industry.The sustainable development of commercial banks is inseparable from the good credit market environment,and plays a great role in promoting social harmony and economic development.Therefore,China’s commercial banks must strengthen the risk management of credit business,sort out their bank credit risk management norms and processes,and ensure the healthy development of China’s banking credit business.The object of this thesis is mainly responsible for the Construction Bank C in the C region of the financial business activities,C bank has long been committed to the development of small and micro enterprises credit,mainly small and micro financial products are "loan growth" and "a ticket","branch loan" and "financial","business loan," the knot is high "," silver tax "and more than 10 kinds of products.The company has also paid great attention to the credit risk management of small and micro enterprises,attaches great importance to risk prevention,formed a set of more scientific and standardized system of risk management,risk analysis,risk assessment,risk is known to have system of standardized and strict requirements,but with the changing of internal and external financial markets at home and abroad the C bank credit risk management in the company,there are also some problems,how to improve the level of credit risk management Small and micro businesses,ensuring the C bank management quality,is an important challenge facing the Bank of C,this article is in this context,to carry out the related research.This paper introduces the C bank credit risk and issues related to the research background,purpose and significance,the Small and micro businesses,credit risk,credit risk management concept,and based on the theory and practice of credit risk in domestic and abroad,summarized the domestic and overseas in recent years of credit the risk management research,laying a solid theoretical foundation for later research.Secondly,from the micro enterprise credit status,loan size,loan structure,credit quality and other aspects of the analysis on the current situation of C bank credit business risk management,proved the more obvious,the internal risk management deficiencies,risk points and problems timely control of lack of risk concentration situation of C bank credit risk management however,the causes of these problems mainly include C bank Small and micro businesses credit,loan before the survey is not responsible,after the loan review provisions is not perfect,to your own bank account manager daily management and business training is not in place,the risk assessment and evaluation system is not perfect.In order to solve these problems,proposes the optimization strategy of C bank credit risk management,including the main measures to strengthen the loan before the survey,prudent credit loans,strengthen Small and micro businesses post loan management,make customer exit plan,optimize the process of credit risk management and training work,optimize the credit risk management process,strengthen the organization of training work early warning model.I hope that through this study,to solve the existing C bank credit risk problem fundamentally,improve the credit risk management ability and level,so as to improve customer satisfaction and loyalty,to attract more customers,to achieve the sustainable development of C bank,improve its market competitiveness.更多还原