论文采用文献分析法、规范分析法、个案分析法等方法,对银行的“困难
帮扶企业”(以下简称困难帮扶企业)信贷风险管理的相关定义、存在的问
题、构建的体系以及管理实施的方法进行了论述,并通过 W 企业和 L 集团公司
案例的分析,对比说明“困难帮扶企业”贷款风险管理体系的构建的必要性和
实用性
论文关注到困难帮扶企业这一特殊群体,充分分析了其贷款风险管理的现
状与问题,指出管理难处的症结所在,强调了恰当解决困难帮扶所带来的管理
问题存在的各项因素,进行指标量化处理。结合当前银行业对困难企业帮扶的
普遍方式,突出了贷款风险来源识别和政府对帮扶重视程度对贷款风险分类管
理的影响,构建了贷款风险管理体系,从困难帮扶企业贷款风险识别、风险分
类、实施帮扶、帮扶管理等流程进行规范,从银行的信贷管理中探索困难帮扶
企业的贷款风险管理,妥善处置以困难帮扶企业风险贷款为代表的劣质信贷资
产,为银行的贷款风险管理提供新的思考途径,也在一定程度上弥补了管理漏
洞
关键词:信贷风险,困难帮扶企业,风险控制
III
Research on the credit risk management among difficult
assisting enterprises——A bank as example
Abstract
Economic and financial form are more complicated, the real economy and financial
institutions interweave more closely with our country economy enters the ‘ China’s New Normal’.
How to control the risks or if they are willing to afford risks are the core for banks which are the
organization managing risks.In fact, with the increase of the Banks non-performing loan, the loans
for small and medium enterprises always raises the threshold and reduce the total loans. Banks’
reluctant to lend, and entity economy continues depressed ,widely financing difficultly, cause the
attention of the local government. With the situation that world economics continue murky and
domestic economy downward pressure, National macroeconomic regulation and control of excess
industry capacity, deleveraging, bubble, transformation and upgrading of industry, operating
difficulties for small and medium-sized businesses, producing a large amount of non-performing
loans. Line of credit risk to guard against and dissolve the pressure increase, Banks reluctant to
lend, loans to small and medium enterprises to improve the threshold, to reduce the loan amount.
Real economy sustained, widely financing difficulties, financing your problems, cause the attention
of the local government, the bank rising non-performing loans is to attract the attention of
regulators. Local governments and regulators should act with its special third party status and
strong executive privilege to intervene the relationships between banks and enterprises to build
difficult enterprises support, innovation of small and medium-sized enterprise financing channels,
the deepening of the social credit system construction, assisting the bank crack guarantee chain risk,
improve the efficiency of the judicial disposal, playing a vital role to the stability of local financial
ecological operation. But the Banks do not consider the government support factor in
quantification of loan risk management. For the case for difficult enterprises which relates non-
performing loans of government intervention, It is not according to normal market measures in
credit risk management and asset disposal.
This paper uses the methods of literature analysis, normative analysis and case analysis.
Discussing the Definition, problem, system and method for credit risk management of bank’s
‘ troubled exterprises’ credit risk management. Comparison between enterprise L and W shows
the necessity and practicability to build the construction of loan risk management system for
‘ troubledexterprises’
This paper fully analyzes the current situation and problems of credit risk management among
‘ troubled exterprises’ and point out the main difficulties of management, stressing to solve eachIII
factor in management problems of difficult assisting then quantify to deal with. Combineing with
the common methods which is used to troubled enterprises now by banks to build the Loan risk
management system. Highlighted influence of the loan risk source identification and the
government assisting degree of recognition for loan risk classification management. Regulating
industry by from the troubled exterprises’ loan risk identification, risk classification,
implementation assisting, assisting management. Properly handle the bad credit assets from
troubled enterprises by sourcing the loans risk management for the troubled enterprises from the
credit management in banks.
Key Words:Credit Risk,Difficult Assisting Enterprises,Risk controlIV
目录
1 绪论 .......... 1
1.1 选题的背景与意义 ...... 1
1.1.1 选题的背景 ........ 1
1.1.2 选题的意义 ........ 2
1.2 研究主要内容、方法和思路 ... 3
1.2.1 研究主要内容 .... 3
1.2.2 研究方法4
1.2.3 研究思路4
1.3 论文的难点和可能的创新点 ... 5
1.3.1 难点 ....... 5
1.3.2 可能的创新点 .... 5
1.4 相关概念界定 . 5
1.4.1 困难帮扶企业 .... 5
1.4.2 贷款风险6
1.4.3 贷款风险度 ........ 7
2 文献综述与理论基础 ........ 8
2.1 文献综述 ......... 8
2.1.1 国外相关研究 .... 8
2.1.2 国内相关研究 .... 8
2.2 理论基础 ....... 10
3 困难帮扶企业贷款风险管理的现状与问题分析 ......... 12
3.1 银行贷款风险管理分类规则与操作流程 ...... 12
3.1.1 贷款风险管理理论 ....... 12
3.1.2 银行贷款风险管理分类规则 .... 15
3.2 困难帮扶企业贷款风险管理的现状及产生原因 ....... 17
3.2.1 贷款风险形成的原
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