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本文首先对目前小企业信贷业务国内外的研究现状进行了分析,结合小
企业的特点指出存在小企业融资难合小企业信贷业务的风险特点,其次通过
对哈尔滨银行发展小企业信贷业务的内外部环境以及发展现状的分析,找出
哈尔滨银行在小企业信贷风险管理中存在的问题和产生的原因,主要包括:
缺乏小企业信贷风险计量体系和风险预警机制、没有形成标准化的流程作业、
小企业信贷信息系统薄弱、授信审批缺乏独立性等。最后针对哈尔滨银行小
企业信贷风险管理中存在的问题,本文提出了具体的对策和建议,主要包括:
建立和完善小企业信贷风险管理控制体系,完善审批机制和风险管理制度,
完善贷后管理和风险预警机制,加强团队建设,建立小企业信贷风险管理文
化。
关键词:小企业;信贷;风险管理
Abstract
Since the role and status of small enterprises in the economic development
of china are more and more important, the financial issue in the development of
small enterprises receives more and more attention from all circles. This paper
mainly researches how to make risk control on the credit of small enterprises for
harbin bank.
Firstly, this paper analyzes the current circumstances of small enterprises,
combing with these enterprises characteristics, prointing out the reasons why
small enterprises are difficult to getloan and characteristics of risk for credit
business to small enterprise. Secondly, finding out the problems and reasons in
the credit management on small enterprises harbin bank through analysis of
current circumstances of credit assets of this bank, including: for small
enterprises failure to establish independent credit approval procedures,absence of
reasonable and scientific credit appraisal mechanism,singular guaranty means for
credit business, insufficiency in innovation of credit products. Finally, as to
harbin bank facing the problems in the credit business for small enterprises, this
paper puts forward the responding counter-policies and suggestions to solve the
problems of harbin bank.
Key words: small enterprises, credit, risk management