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MBA论文_满洲里农商行小微企业信贷风险管控对策研究

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哈尔滨工业大学工商管理硕士学位论文
- I -
摘要
近几年国务院等部门特别重视小微企业的生存与发展,小微企业在国民
经济和社会发展中发挥着举足轻重的作用。但在当前我国经济新常态下,经
济增长速度逐年趋缓,小微企业数量众多,但是在其发展过程中既活跃又脆
弱,成长过程中还面临着融资渠道少、贷款门槛高等诸多问题。与此同时,
在目前的经济形势下,农商行的运营空间也受到了影响,拓展新的业务领域
转型发展迫在眉睫。近年来小微企业的信贷风险是农商行面临的主要风险之
一,因此加强对小微企业信贷风险的控制对于农商行来讲具有很重要的现实
意义
鉴于此,本文以满洲里农商行(文中简称为“农商行”)小微企业贷款业
务中的风险管理问题为研究对象。首先对国内外信贷业务的研究现状进行了
分析,结合满洲里地区的经济发展特点,通过对农商行的信贷业务发展及信
贷风险管理现状的分析,找出农商行在信贷风险管理中存在的突出问题,包
括小微企业生命周期短增加管理成本、小微企业信息不对称性导致信贷风险
上升、风险内控机制不完善、小微企业贷后管理存在问题、缺乏小微企业产
品创新意识、尚未形成良好的风险管理文化六个方面,并对问题产生的原因
从社会因素、小微企业因素和银行因素三个角度进行因素识别和原因分析
最后针对农商行小微企业信贷风险管理中存在的问题提出了切实可行的风险
管控对策建议,主要包括准确进行小微企业客户识别、加强贷前管理降低小
微企业信息不对称性、进一步优化小微企业风险管理体系、加强小微企业贷
后管理、创新小微企业信贷产品、推进风险管理文化战略的实施六个方面,
希望通过管理措施和管理文化上的改善促进农商行今后信贷工作的有序发
展,使得农商行小微信贷业务能够可持续地健康发展,同时也希望改善满洲
里地区外贸企业的融资渠道、优化农商行的金融环境,共同促进满洲里市整
个地区经济的蓬勃增长具有重要的理论基础和现实指导意义
关键词:农商行;小微企业;信贷风险;风险管控
哈尔滨工业大学工商管理硕士学位论文
- II -
Abstract
In recent years, the State Council and other departments have paid special
attention on the survival and development of small and micro enterprises. Small
and micro enterprises have become an important force in the development of the
national economy. However, under the current normal of our economy, the speed
of economic growth has been slowing down year by year, the number of small
and micro enterprises is numerous, but small and micro businesses are both
active and vulnerable. There are also many problems in the growth process of
small and micro enterprises, such as less financing channels ,higher loan
threshold and so on. In the meantime, under the current economic situation, the
operational space of rural commercial banks has also been affected, and it is
imminent to expand the transformation of new business areas. In recent years, the
credit risk of small and micro enterprises is one of the main risks of the rural
commercial bank. Therefore it is of great practical significance to strengthen the
control of credit risk in small and micro enterprises for rural commercial bank.
In view of this, this paper takes Manzhouli Rural Commercial Bank 's
(referred to as Rural Commercial Bank) small and micro enterprise loan
business risk management as the research object. First of all, the research status
of credit business at home and abroad is analyzed, according to the economic
development characteristics of Manzhouli region, and the analysis of the credit
risk management of rural commercial bank, this paper finds out the prominent
problems of rural commercial bank in credit risk management. Including the
short life cycle of small and micro enterprises to increase the cost of bank
management, the problem of asymmetric information of small and micro
enterprises is outstanding, the internal control mechanism of risk is not perfect,
there are problems in post-loan management of small and micro enterprises, lack
of awareness of product innovation in small and micro enterprises, and good risk
management culture has not yet been formed in six areas. And the reasons for the
problems are analyzed from social factors, small and micro enterprise factors and
bank factors. At last, put forward some feasible suggestions on risk management
and control in the credit risk management of small and micro enterprises in rural
哈尔滨工业大学工商管理硕士学位论文
- III -
commercial bank, which mainly include identifying small and micro customers
accurately, strengthen pre-credit management to reduce the information
asymmetry of small and micro enterprises, further optimize the small and micro
enterprise risk management system, strengthen the post-loan management of
small and micro enterprises, innovate the credit products of small and micro
enterprises and promote the strategy of risk management culture of six aspects.
Hoping to promote the orderly development of rural credit cooperatives through
management measures and cultural management improvement so that small and
micro credit businesses of rural commercial banks can develop sustainably and
healthily. At the same time, it also hoped to improve the financing channels for
foreign trade enterprises in Manzhouli, optimize the financial environment for
rural commercial bank, and jointly promote the vigorous economic growth in the
entire region in Manzhouli. This is of great theoretical and practical significance.
Keywords: rural commercial bank, small and micro enterprise, credit risk, risk
control
哈尔滨工业大学工商管理硕士学位论文
- IV -
目录
摘要 ..... I
Abstract . II
第1章 绪论 ...... 1
1.1 课题背景与问题提出 ....... 1
1.1.1 研究背景 ....... 1
1.1.2 问题提出 ....... 1
1.2 研究目的与意义 .. 2
1.2.1 研究目的 ....... 2
1.2.2 研究意义 ....... 2
1.3 国内外在该方向的研究现状及分析 ........ 3
1.3.1 国外研究现状 ........... 3
1.3.2 国内研究现状 ........... 5
1.3.3 国内外文献综述的简析 ........ 7
1.4 本文的主要研究内容和研究方法 8
1.4.1 论文研究内容 ........... 8
1.4.2 论文研究方法 ........... 8
第2章 农商行小微企业信贷风险管理现状及存在的问题 ... 10
2.1 农商行基本情况介绍 ..... 10
2.2 农商行小微企业信贷业务发展现状 ...... 12
2.2.1 农商行信贷业务发展现状 .. 12
2.2.2 农商行小微企业信贷风险管理现状分析 ... 15
2.3 农商行小微企业信贷风险管理中存在的问题 .. 17
2.3.1 小微企业生命周期短增加管理成本 ........... 17
2.3.2 小微企业信息不对称性导致信贷风险上升 ........... 18
2.3.3 风险内控机制不完善 .......... 19
2.3.4 小微企业贷后管理存在问题 .......... 19
2.3.5 缺乏小微企业产品创新意识 .......... 20
2.3.6 尚未形成良好的风险管理文化 ...... 21
2.4 本章小结21
第3章 农商行小微企业信贷风险管理问题成因分析 ........... 23。