【作者】 王成；

【导师】 徐盈之； 杜敏；

【作者基本信息】 东南大学 ， 工商管理（专业学位）， 2019， 硕士

【摘要】 近年来,在市场环境不确定性增加、全球化进程不断推进和行业差异减小的影响下,商业银行在经营中发生信贷风险的概率在不断增加。然而,当前我国商业银行的信贷风险管理水平没有与市场环境和经济形式同步发展,在管理方法上使用最多的仍是定性分析,管理水平远落后于西方发达国家。信贷风险的存在给我国金融业和整体经济的发展都产生可不利的影响。因此,本文以银行业信贷风险管理为研究对象有一定的理论意义和实际意义。本文采用案例研究的方法,首先分析了JT银行J分行与小微企业相关的信贷业务的现状,并基于已有的经济理论,从信贷风险管理的方式、核心指标和特点方面对已有的文献进行了梳理。其次,在前文的基础上,着重分析了JT银行J分行在对小微企业进行信用风险管理中具有的问题,且从内部因素和外部环境两个方面分析了出现管理问题的原因。最后,基于本文的研究结论,为增强JT银行J分行小微企业的信贷风险管理能力提出改进意见。本文重点分析了J分行目前在小微企业信贷风险管理中存在的问题,以及产生这些问题的原因,基于此,在结尾部分提出,要学习西方国家先进的信用风险管理经验、加强JT银行J分行所有员工的风险意识、在开展信贷业务的前中后期都要做好风险防控,进而完善该分行的风险管理体系,提高风险管理水平和市场竞争力。更多还原

【Abstract】 At present,under the background of globalization of financial market,increasing market volatility and less distinction between enterprises and business sectors,commercial banks are facing more and more credit risks.In the process of credit risk management,Chinese commercial banks mainly focus on qualitative analysis,which can not adapt to the growing economic situation and market demand,and there is a certain gap with the international advanced management level.Serious credit risk has caused serious damage to China’s financial market and national economy.Therefore,the research on credit risk management has important theoretical and practical significance.This paper takes JT Bank J branch as an example to study the current situation of credit risk management of small and micro enterprises in JT Bank J branch.This paper summarizes the relevant economic theories,credit risk characteristics,core indicators of credit risk supervision,and methods of credit risk management.Based on the comparative analysis of the current situation of credit risk and core indicators of credit risk supervision of JT Bank J branch’s small and micro enterprises,it finds out the deficiencies of credit risk management of JT Bank J branch’s small and micro enterprises,and seeks the origin of influencing risk management of JT Bank’s small and micro enterprises from both internal and external aspects.Based on the conclusions of the study,this paper puts forward some countermeasures to improve the credit risk management ability of JT Bank J branch’s small and micro enterprises,which can provide reference for the construction of credit risk management of JT Bank J branch’s small and micro enterprises.Especially for JT Bank J branch small and micro enterprises risk status analysis,starting from improving the risk supervision system,introducing and drawing lessons from advanced risk control and management methods,improve the risk awareness of all employees,control the before-loan stage,the mid-loan stage and the after-loan stage,so as to improve the operational efficiency and market competitiveness of JT Bank J branch.更多还原