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MBA硕士毕业论文_银行A分行小微企业贷款风险控制研究

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I 摘要 随着我国经济快速发展,金融进入新局面,数量庞大的小微企业群体对市场 经济的影响日趋显著,商业银行争相增加与小微企业的贷款合作。但由于小微企 业财务制度不健全等自身经营特点,虽然贷款额与贷款户数剧增,但商业银行贷 款不良率仍居高不下,降低贷款风险势在必行。商业银行亟需深化对小微企业贷 款风险的研究,分析风险成因,完善风险控制,从根本上降低小微企业贷款不良 率。 本文以 J 银行 A 分行为研究对象,通过对其小微企业贷款风险控制现状分析, 查找出问题并给出建议。本文在研究商业银行小微企业贷款风险的分类和成因的 基础上,分析了 J 银行 A 分行小微企业贷款风险的影响因素,并构建 J 银行 A 分 行小微企业贷款风险的综合评价模型,确定了评价指标的权重,运用模糊评判法 与层次分析法对 J 银行 A 分行小微企业贷款风险进行综合评价。分析发现,J 银行 A 分行存在小微企业经营信息校验不足、信用评价指标选用不当以及退出机制不 明确等问题,本文在增强员工风险意识、强制退出信号以及深化预警系统数据校 验能力等方面给出合理建议,希望能提高 J 银行 A 分行在小微企业贷款方面的风 险控制质量,为商业银行等金融机构提供新的理论参考。 关键词:A 分行;小微企业;贷款;风险控制Abstract II Abstract The influence of small and micro companies on the market economy is increasing as China's economy develops rapidly and new financial opportunities emerge. However, commercial Banks have to reduce loan risks due to the defects of their own management financial system, the increasing stock of credit and the still high credit risk. Commercial Banks need to deepen the research on the risks of loans to small and micro enterprises, analyze the causes of risks, strengthen risk control, and substantially reduce bad debts . Taking Branch A of Bank J as the research object, this thesis analyzes the current situation of loan risk control for its small and micro enterprises, finds out problems and gives suggestions. Based on the study of small micro enterprise loan risk of commercial bank, on the basis of classification and the causes are analyzed the influence factors of Branch A of Bank J small micro enterprise loan risk, and build Branch A of Bank J small micro enterprise loan risk comprehensive evaluation model, to determine the weights of evaluation indexes, using the fuzzy evaluation method and analytic hierarchy process (ahp) to Branch A of Bank J small micro enterprise loan risk to carry on the comprehensive evaluation. Analysis found that Branch A of Bank J check small micro enterprise management information insufficiency, the credit evaluation index improper selection and exit mechanism is not clear, based on the enhanced employee risk awareness, forced exit signals and deepen the ability of early warning system for data validation is given reasonable Suggestions, hoping to improve the Branch A of Bank J of quality control in the small micro enterprise loan risks, offers a new theoretical reference for commercial Banks. Keywords: branch A; small and micro enterprises; the loan; risk control目 录 I 目 录 摘要····································································································I Abstract·······························································································II 第 1 章 绪论.....................................................................................................................1 1.1 研究背景及意义.................................................................................................1 1.1.1 研究背景...................................................................................................1 1.1.2 研究意义...................................................................................................2 1.2 国内外研究现状.................................................................................................2 1.2.1 国外研究现状...........................................................................................2 1.2.2 国内研究现状...........................................................................................3 1.2.3 研究评述...................................................................................................5 1.3 研究内容与方法.................................................................................................5 1.3.1 研究内容...................................................................................................5 1.3.2 研究方法...................................................................................................6 1.3.3 技术路线...................................................................................................6 1.4 本章小结.............................................................................................................7 第 2 章 相关理论.............................................................................................................8 2.1 小微企业概述.....................................................................................................8 2.1.1 小微企业的界定.......................................................................................8 2.1.2 小微企业特征...........................................................................................9 2.2 商业银行小微企业贷款风险...........................................................................10 2.2.1 商业银行小微企业贷款风险的分类.....................................................10 2.2.2 商业银行小微企业贷款风险的影响因素.............................................12 2.3 商业银行贷款风险管理...................................................................................13 2.3.1 商业银行贷款风险管理的概念.............................................................13 2.3.2 商业银行贷款风险管理的方法.............................................................14 2.4 本章小结...........................................................................................................15 第 3 章 J 银行 A 分行小微企业贷款风险影响因素分析............................................16 3.1 J 银行 A 分行小微企业贷款现状分析.............................................................16 3.2 J 银行 A 分行小微企业贷款风险影响因素.....................................................19目 录 II 3.2.1 小微企业运营状况.................................................................................19 3.2.2 企业主素质.............................................................................................20 3.2.3 企业信用评价情况.................................................................................21 3.2.4 宏观环境因素.........................................................................................21 3.2.5 银行人员操作风险.................................................................................22 3.3 J 银行 A 分行小微企业贷款风险评价体系的构建.........................................22 3.3.1 构建风险评价指标体系的原则.............................................................22 3.3.2 构建评价指标体系.................................................................................23 3.4 本章小结...........................................................................................................23 第 4 章 J 银行 A 分行小微企业贷款风险综合评价....................................................24 4.1 J 银行 A 分行小微企业贷款风险评价模型.....................................................24 4.2 确定各指标权重...............................................................................................25 4.2.1 构造比较矩阵.........................................................................................25 4.2.2 计算二级指标权重.................................................................................26 4.2.3 一致性检验.............................................................................................26 4.2.4 计算所有指标权重.................................................................................27 4.3 案例评价与分析...............................................................................................27 4.3.1 案例评价.................................................................................................27 4.3.2 案例结果评价.........................................................................................29 4.4 J 银行 A 分行小微企业贷款风险控制存在的问题.........................................30 4.4.1 企业经营信息校验不足.........................................................................30 4.4.2 信用评价指标不适用.............................................................................31 4.4.3 宏观政策把握不及时.............................................................................32 4.4.4 缺乏明确退出机制.................................................................................32 4.4.5 风险意识淡薄.........................................................................................33 4.5 本章小结...........................................................................................................34 第 5 章 J 银行 A 分行小微企业贷款风险控制的对策与措施....................................35 5.1 重视经营数据获取及校验...............................................................................35 5.1.1 增加有效数据获取途径.........................................................................35 5.1.2 深化预警系统数据校验能力.................................................................35 5.1.3 谨防数据造假.........................................................................................36 5.2 调整信用评价指标...........................................................................................36 5.2.1 选用小微企业专业指标.........................................................................36 5.2.2 因地制宜选用指标.................................................................................37目 录 III 5.3 密切关注宏观政策...........................................................................................37 5.3.1 已有授信客户及时调整对策.................................................................37 5.3.2 选择目标行业新客户.............................................................................37 5.4 明确客户退出制度...........................................................................................38 5.4.1 明确强制退出信号.................................................................................38 5.4.2 特殊事件单独退出机制.........................................................................38 5.4.3 加大应退未退考核力度.........................................................................38 5.5 严格考核制度提升风险意识...........................................................................39 5.5.1 严格信贷业务流程明确岗位职责.........................................................39 5.5.2 严格责任追究制度完善员工考核.........................................................40 5.6 本章小结...........................................................................................................40 结 论.....................................................................................................................41。。。。。。以下内容略