【作者】 陈俊彬；

【导师】 张珏； 高俊岭；

【作者基本信息】 广东工业大学 ， 项目管理（专业学位）， 2020， 硕士

【摘要】 企业贷款,一直以来是银行的主营项目,也是银行能够从贷款的利率中获得收入的主要经济来源,更是在整个金融行业领域中推动经济发展不可缺少的一部分。近几年来,随着D城市经济的蓬勃发展,以及国家调整小微企业减税或免税的优惠政策,并鼓励大学生自主创业,D城市的小微企业如雨后春笋般不断涌现。其中,制造业的小微企业占据D城市很大一部分,随之而来的就是小微企业对贷款的需求量越来越大。银行贷款成为该地区小微企业现金周转和维持企业持续运营的重要资金来源之一。然而,虽然银行贷款的需求量大,银行赚取的利润空间比较理想,但D城市的小微企业资产等综合实力参差不齐,随着经济快速发展、国家政策的调控、市场利率的变化等因素,银行等金融机构如果一味追求贷款业务的数量,而忽略了贷款业务的质量,无视贷款风险存在的话,那将会给银行带来巨大的损失。如何把小微企业的贷款风险进行有效的识别,以及如何优化贷款风险管理体系,采取相关措施来应对风险,成为了本文主要研究的内容。本文以D银行小微企业XX公司的贷款项目作为主要的研究对象,把主要内容分成以下几个部分,第一部分,研究国内外贷款项目风险管理相关内容,对研究的内容和方法构建论文的框架,从总体上简单概述论文的主要内容和研究的方法。第二部分,从理论上了解风险管理以及银行贷款项目风险管理的基本内容,来确定论文中心论点的方向。第三部分,对XX公司的资产情况,偿债能力进行综合测评,发现存在的贷款风险后运用层次分析法结合定性、定量法来权衡风险类别,并且把贷款风险进行分类。第四部分,XX公司风险的成因分析,通过分析公司的内部风险成因:偿债能力、运营效率、担保人的资质,以及公司外部风险成因:政策调控、市场利率、市场发展前景,找出项目风险成因等相关问题所在。第五部分:通过对XX公司的贷款项目风险成因分析后,从D银行的贷前调查管理体系、担保人管理体系、贷后检查管理体系等几个方面来提出相关优化的措施,对XX公司贷款项目起到了降低贷款风险,防范风险的作用。第六部分:总结本文内容。希望通过本文以实际案例研究得出的结论,能够对D银行小微企业贷款项目风险管理起到一定的借鉴作用。更多还原

【Abstract】 Corporate loan has always been the main project of Banks,and it is also the main economic source for Banks to obtain income from the interest rate of loans,and it is an indispensable part of promoting economic development in the whole financial industry.In recent years,with the booming development of city D’s economy,the government has adjusted the preferential policies of tax reduction or exemption for small and micro businesses,and encouraged college students to start their own businesses,small and micro businesses in city D have sprung up like mushrooms.Among them,small and micro manufacturing enterprises occupy a large part of D city,followed by an increasing demand for loans from small and micro enterprises.Bank loans have become an important source of cash for small and micro businesses in the region and for their continuous operations.However,although the demand for bank loans,Banks earn profits space is ideal,D city small micro enterprise assets,comprehensive strength is uneven,with the rapid economic development,the regulation of national policy,the change of market interest rates and other factors,Banks and other financial institutions if the devotion to the amount of loan business,and ignore the quality of the loan business,ignoring the loan risk exists,it will bring great loss to the bank.How to effectively identify the loan risks of small and micro enterprises,how to optimize the loan risk management system and take relevant measures to deal with the risks have become the main content of this paper.This paper takes XX company D bank small micro enterprise loan project as the main object of study,the main content is divided into the following several parts,the first part,the study of domestic and foreign loan project risk management related content,the research content and method of constructing a framework,the paper overall simple overview paper main content and research method.The second part,from the theoretical understanding of risk management and the basic content of bank loan project risk management,to determine the direction of the thesis.In the third part,the assets and solvency of XX company are comprehensively evaluated.After discovering the existing loan risks,the analytic hierarchy process(AHP)combined with qualitative and quantitative methods is used to weigh the risk categories and classify the loan risks.In the fourth part,the causes of risks of XX company are analyzed.By analyzing the causes of internal risks of XX company,including solvency,operation efficiency,guarantor’s qualification,and external risks,including policy regulation,market interest rate and market development prospect,the causes of project risks are found out.The fifth part: after analyzing the causes of risk of XX company’s loan project,it proposes relevant optimization measures from the aspects of D bank’s pre-loan investigation and management system,guarantor management system,post-loan inspection and management system,etc.,which plays a role in reducing loan risks and preventing risks for XX company’s loan project.Part six: summarize the content of this paper,and hope that the conclusions of this paper based on the actual case study can play a certain role in the risk management of loan projects of small and micro enterprises of bank D.更多还原