 ==>> 点击下载文档 |
本文研究以BH城市商业银行为研究对象，从小微企业信贷业务风险评估角度出发，
采用案例分析、层次分析等方法，具体研究了小微企业信贷业务风险评估有关问题。研
究认为，当前BH城市商业银行已经构建了相应的小微企业信贷业务风险评估组织架构，
形成了相应的风险评估制度、流程与方法，从而实现了对小微企业信贷业务风险的评估
然而，进一步分析发现，BH城市商业银行当前的小微企业信贷业务风险评估体系尽管取
得了一定的成效，但是其依然存在不少问题，主要体现为：一是组织架构不合理，不能
适应小微企业信贷业务风险评估的需要；二是小微企业信贷业务风险评估制度不够健全，
且对小微企业信贷业务的操作性有限；三是小微企业信贷业务风险评估流程效率不高，
部分流程设计较为冗繁；四是小微企业信贷业务风险评估方法存在较大的主观性，不利
于获得较为客观的评估结论
针对存在问题，本文研究指出BH城市商业银行应从以下几个方面采取相关解决对
策：一是优化信贷业务风险评估组织架构，并明确各个相关职能部门的职责；二是完善
小微企业信贷业务的风险评估制度，并确保相关制度在实际管理中能够切实执行到位；
三是提高小微企业信贷业务风险评估流程的效率，规范相关风险评估流程；四是构建科
学的小微企业信贷业务风险评估方法体系，结合层次分析法，合理地设置各个指标的权
重，以更好地评估各笔小微企业信贷业务的风险
为了确保BH城市商业银行小微企业信贷业务风险评估改进方案能够实施，本研究还
提出了相关保障措施，包括构建重视风险管理的企业文化、提供坚强的人力资源保障、
加大信贷业务风险评估体系的资金投入、引进或创新相关小微企业信贷业务风险评估方
法或手段、持续完善BH城市商业银行的内部控制体系等。本文研究对提高国内城市商业
银行小微企业信贷业务风险评估水平具有现实参考意义
【关键词】：小微企业信贷业务；风险评估；指标体系
Abstract
II
Title: The Research of small micro enterprise credit risk assessment
in City commercial Bank - Take BH City commercial Bank for
example
Major：MBA
Name：Li Yong Signature:
Supervisor：Prof. Su Juning Signature:
Abstract
In recent years, with the domestic small micro enterprise quantity increasing, commercial
Banks a significant increase in the scale of small micro enterprise credit business to small micro
enterprise credit risk continues to accumulate, it puts forward higher requirements to the risk
assessment of commercial Banks.
In this paper, we study to BH city commercial Banks as the research object, from the
micro perspective of corporate credit business risk assessment, the methods of case analysis,
hierarchical analysis, specific studies the issues related to small micro enterprise credit risk
assessment. Studies suggest that the current BH city commercial Banks have built small micro
enterprise credit business risk assessment of the corresponding organization structure, the
formation of the corresponding risk assessment system, process and method, so as to realize the
small micro enterprise credit risk assessment. However, further analysis found that BH city
commercial bank's current small micro enterprise credit risk evaluation system although has
obtained certain achievements, but it still exists many problems, mainly embodied in: one is the
organization structure is unreasonable, can not adapt to the needs of the small micro enterprise
credit risk assessment; Second, the small micro enterprise credit risk assessment system is not
sound, and the small micro enterprise credit business operation is limited; Three small micro
enterprise credit business risk assessment process efficiency is not high, part of the process
design more omissions; Four is small micro enterprise credit risk assessment method is
subjective, is not conducive to obtain objective evaluation conclusion.
In view of the problems, this study pointed out that BH city commercial bank to take
relevant countermeasures from the following several aspects: one is the organization structure,
optimize the credit business risk assessment and to clarify the responsibilities of each related
functional departments; Second, improve small micro enterprise credit risk evaluation system
of the business, and ensure that the relevant system to carry out in actual management in place;
Three is to improve the efficiency of the small micro enterprise credit business risk assessment
西安理工大学工商管理硕士学位论文
III
process, specifications related to the risk assessment process; Four is to build a small micro
enterprise credit risk assessment of the scientific method system, combined with the analytic
hierarchy process (Ahp), reasonably set the weight of each index, in order to better assess the
risk of various small micro enterprise credit business.
In order to ensure that BH city commercial Banks improve small micro enterprise credit
business risk assessment scheme can implement, this study also put forward some safeguard
measures, including building attaches great importance to the risk management of enterprise
culture, provide strong human resources support and increase the risk of a credit evaluation
system of investment, the introduction of innovation or related small micro enterprise credit
business risk assessment methods or means, continuous improving BH city commercial bank's
internal control system, etc. In this paper to improve the domestic urban small micro enterprise
credit business of commercial bank risk assessment level of reality reference significance.
【Key words】: small micro enterprise credit business; Risk assessment; The indicator system.
。。。。。。以上简介无排版格式，详细内容请下载查看
