【作者】 陈雷；

【导师】 钱海波；

【作者基本信息】 河北大学 ， 工商管理（专业学位）， 2021， 硕士

【摘要】 伴随中国经济总量不断提升,近几年,围绕产业转型升级和存量结构优化,中国金融系统也经历了一系列重大方向性变革。从2015年底针对产能过剩行业提出的供给侧结构性改革到此后两年的深度去杠杆,从2019年初的金融供给侧改革再到当前“内循环为主、国内国际双循环”的经济发展格局,“脱虚向实、普惠金融、精准滴灌、让利实体经济”等一系列产融结合新方向,正成为银行系统未来助力企业发展的重要抓手。作为普惠金融的重点帮扶对象,中小企业已经发展成为国民经济重要主力军和社会民生的稳定器,加大对中小企业信贷投放、精准对接中小企业融资需求,既是中国经济对银行机构的大局观要求,也是十四五时期银行自身结构优化、深度挖潜的重要方向。本文以交通银行某地区二级分行为研究对象,对该行中小企业信贷风险管控现状和存在的问题进行了深入追溯研究,通过详实的数据、调查问卷分析等手段,对该行中小企业信贷风控体系进行定性和定量研究,希望能对该行中小企业信贷业务风控体系优化提供一定帮助,并对同类型银行提供一定的经验借鉴。首先,论文简要阐述了商业银行中小企业信贷风险管控相关研究理论脉络,盘点了国内外针对该议题所形成的主要观点和方法论;其次,详细梳理了XX分行对其中小企业信贷业务风险控制的相关制度流程,从风险管控流程、贷前调查、贷中审查、贷后监控等方面进行了重点阐述;再次,通过对中小企业信贷风险数据的分析和问卷调查等方法进行深入研究、调查,抽丝剥茧,挖掘主要问题脉络;第四,从组织架构、决策体系、管理流程和系统支撑等四个方面提出了XX分行中小企业信贷风险管控的问题;第五,结合XX分行实际问题现状,提出了进一步完善XX分行中小企业信贷风险管控的改进建议;最后,对全文的主要观点进行系统性回顾,归纳总结核心结论,并指出了本文尚有待挖潜的进一步研究方向。更多还原

【Abstract】 With the continuous improvement of China’s economic aggregate,in recent years,China’s financial system has undergone a series of major directional changes around industrial transformation and upgrading and stock structure optimization.From the supply side structural reform proposed for the industries with excess capacity at the end of 2015 to the deep deleveraging in the next two years,from the financial supply side reform in early 2019 to the current economic development pattern of “internal circulation oriented,domestic and international double circulation”,a series of new directions of combining industry and finance,such as “getting rid of the virtual to the real,inclusive finance,precision drip irrigation,and profit giving Economy”,are becoming the banking system It is an important starting point to help the development of enterprises in the future.As the key support object of Inclusive Finance,small and medium-sized enterprises have developed into an important main force of the national economy and a stabilizer of social livelihood.Increasing the credit supply to small and medium-sized enterprises and accurately meeting the financing needs of small and medium-sized enterprises are not only the overall requirements of China’s economy for banking institutions,but also an important direction for banks to optimize their own structure and tap their potential in the fourteenth Five Year Plan period.This paper takes the secondary behavior of a region of Bank of communications as the research object,makes an in-depth retrospective study on the current situation and existing problems of the bank’s credit risk control of small and medium-sized enterprises,and makes a qualitative and quantitative study on the bank’s credit risk control system of small and medium-sized enterprises through detailed data,questionnaire analysis and other means,I hope it can provide some help for the optimization of the bank’s SME credit business risk control system,and provide some experience for similar banks.Firstly,the paper briefly expounds the theoretical context of credit risk management and control of small and medium-sized enterprises in commercial banks,and reviews the main viewpoints and methodologies formed at home and abroad;Secondly,it detailedly combed the relevant system process of XX branch’s risk control for small business credit business,focusing on risk management and control process,pre loan investigation,loan review,loan monitoring and so on;Thirdly,through in-depth research and investigation on the credit risk data of small and medium-sized enterprises and questionnaire survey,we can dig out the main problems;Fourthly,it puts forward the problems of credit risk management and control of small and medium-sized enterprises in XX Branch from four aspects: organizational structure,decision-making system,process implementation and system support;Fifth,combined with the actual situation of XX Branch,this paper puts forward improvement measures and suggestions to further improve the credit risk management and control of small and medium-sized enterprises in XX Branch;Finally,it systematically reviews the main points of the full text,summarizes the core conclusions,and points out the further research direction that needs to tap the potential of this paper.更多还原