【作者】 杨瑞；

【导师】 刘亮；

【作者基本信息】 苏州大学 ， 工商管理（专业学位）， 2020， 硕士

【摘要】 我国小微企业因为财务管理制度不完善、财务情况透明度不高、担保能力不足等缺陷,而面临融资困难的问题。在2018年,我国出台了一系列普惠金融政策支持小微企业融资,小微企业贷款迎来新的增长契机,国内商业银行加大了对小微企业的贷款投放,A银行苏州分行也意识到了小微信贷客户的蓝海价值。但由于小微企业有着经营随意、财务规划混乱、融资担保缺乏、市场能力不足等特征,导致了银行信贷介入的经营成本较高,小微企业的融资需求不能完全得到满足。A银行作为一家大型商业银行,虽然在苏州地区有较好的资金、资源优势,但在投放小微企业贷款、控制小微贷款风险上,也面临了很多竞争和压力,因此结合小微企业信贷业务发展现状完善银行现有风险控制体系显得非常重要。本文以A银行苏州分行为例,对A银行小微企业信贷业务风险控制工作进行了研究。首先,文章阐述了银行风险管理的相关理论基础,分析了小微贷款风险控制的特殊性和重要性,并列举了国家对小微贷款的政策支持及以往学者的研究成果。其次,笔者通过分析A银行苏州分行小微信贷业务基础并结合问卷调查结果,发现了 A银行苏州分行小微贷款业务风险控制工作中存在数据平台功能较少、普惠贷款客户评级模型测评结果不准确、风险预警系统监控指标不完善、政府增信类产品实际担保不足、贷后管理执行不到位的问题,以及构成这些问题的内部与外部影响因素。最后,借鉴国内商业银行在数据平台建设、信用评级模型构建、风险监控系统开发、产品研发、贷后管理方面的经验,提出了加强信贷数据平台建设、增加风险评估特色指标、完善风险监控系统、提高产品创新力、创新贷后管理手段的改进建议。希望本文的研究能够引起A银行苏州分行对小微企业贷款风险控制工作的重视,为A银行苏州分行提升区域内的风险控制水平提供参考。更多还原

【Abstract】 Small and micro enterprises in China are faced with financing difficulties due to imperfect financial management system,low financial transparency,and lack of loan guarantee.In 2018,a series of inclusive financial policies were introduced to support financing of small and micro businesses,and loans to small and micro businesses have ushered in new growth opportunities.Domestic commercial banks have increased lending to small and micro businesses,and Bank A Suzhou branch has realized the blue ocean value of small and micro credit customers.However,due to the characteristics of random operation,disordered financial planning,insufficient guarantee and insufficient market capacity of small and micro enterprises,the operation cost of bank credit intervention is relatively high,therefore the financing needs of small and micro enterprises cannot be fully met.Although Bank A,as a large commercial bank,has better capital and resource advantages in Suzhou region,it has faced a lot of competition and pressure in providing loans to small and micro enterprises and controlling the risks of small and micro loans as well.Therefore,it is very important to improve current risk control system in Bank A Suzhou branch through studying the development of credit business of small and micro enterprises.This paper studies the risk control of credit business of small and micro enterprises in Bank A through taking Bank A Suzhou branch as an example.Firstly,this paper expounds the relevant theories about risk management in commercial banks,analyzes the particularity and importance of risk control of small and micro loans,and lists the national policy support for small and micro loans and the research achievements of previous scholars.Secondly,the author analyzed the fundamental work of small and micro credit business in Bank A Suzhou branch and combined with the questionnaire survey result.In result,the problems of small and micro credit business in Bank A Suzhou branch have been found out,which are insufficient data system function,inaccurate assessment result of inclusive financial credit customer’s rating model,defective monitoring index of risk alertness-forecasting system,lack of government guarantee for loans of small and micro enterprises and poor execution of post-loan management.The internal and external factors influence these problems have been summarized as well.Finally,drawing experiences from domestic commercial banks in the data platform construction,the credit risk assessment model,the development of risk monitoring system,the product improvement and post-loan management,suggestions have been made on strengthening the construction of credit customer database,adding risk assessment characteristic indicators,improving risk monitoring system,improving credit product innovation,reforming post-loan management measures.It is hoped that the study of this paper can arouse the attention of Bank A Suzhou branch on the risk control of small and micro enterprises loans,and provide a reference for Bank A Suzhou Branch to improve own risk control level in Suzhou city.更多还原