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论文编号：	11066
作者编号：	2320170774
上传时间：	2019/12/5 11:36:58
中文题目：	P银行NY分行微贷风险控制优化研究
英文题目：	Research on Micro-Loan Risk Control Optimization Of P Bank NY Branch
指导老师：	程新生
中文关键字：	微贷风险；风险控制；信用评价；信息不对称；层次分析法
英文关键字：	The risk of small and micro enterprise loan; Risk control; Credit evaluation; Information asymmetry; Analytic hierarchy process
中文摘要：	小微企业在发展过程中面临“融资难、融资贵”问题，国家为大力扶持小微企业发展而出台新政策，各大银行也纷纷响应，通过多种方式支持小微企业融资。本文中的案例银行“P银行NY分行”专门针对小微企业贷款成立了微贷部门，但因为该部门管理存在诸多问题，小微企业贷款风险仍不断加剧。 在此背景下，本文基于信息不对称、信贷配给、企业生命周期、风险管理等相关理论，对P银行NY分行微贷业务流程以及风险控制措施进行梳理，并研究该银行小微企业贷款的典型案例，分析出NY分行微贷风险控制主要存在以下问题：获取微贷信息不全面、信用评价不合理、微贷内部审计建设滞后。针对存在的问题，本文提出相应优化措施：首先，拓宽信息获取渠道，特别是建立全面周期分析预警系统，利用行业动态信息加强对小微企业贷款的跟踪管理,同时，探索与大数据征信平台合作以提高风险识别水平；其次，结合小微企业特点，利用层次分析法专门设计小微企业信用评价指标体系，以提升风险评估水平；最后，加强微贷业务内部审计建设,包括设置独立的微贷内部审计部门并规范微贷内部审计方法。 本文的贡献主要体现在两方面：一方面，通过对NY分行微贷业务流程和风险控制体系进行研究，发现该银行微贷风险控制的薄弱点，提出有效、可行的优化方案，并为其他银行微贷风险控制提供借鉴；另一方面，本文反映新时代背景下微贷风险，弥补现在小微企业贷款风险控制方面的研究不足，为解决银行微贷风险控制问题作出贡献。
英文摘要：	In the process of development, small and micro enterprises face the problem of “funding difficulties and financing expensive”. The government has vigorously introduced new policies to support the development of small and micro enterprises. Major banks have responded the policies in a variety of ways to support small and micro enterprise financing. The bank in this paper “NY Branch of P Bank ”set up a micro-credit department.However, because of the many problems in the management of this department, the risk of small and micro-enterprise loans continue to increase. In this background, based on the related theories of information asymmetry, credit rationing, enterprise life cycle,andrisk management,this paper sorts out the process of small and micro-enterprise loans and risk control measures of NY Branch of P Bank, and studies the typical case of the bank's small and micro enterprise loans, finding that The NY branch mainly has the following problems: incomplete micro-credit information, unreasonable credit evaluation,and lagging internal audit construction of micro-loan. This paper proposes corresponding optimization measures: Firstly, broaden information access channels, especially establishing a comprehensive cycle analysis and early warning system, and using industry dynamic information to manage the loans to small and micro enterprises.At the same time, exploring cooperation with the Big Data Credit Platform to enhance risk identification.Secondly, combining the characteristics of small and micro enterprises, and using the analytic hierarchy process to design a credit evaluation index system to improve risk assessment. Finally, strengthening the internal audit construction of micro finance business, including setting up an independent micro-loan internal audit department and standardizing the micro-loan internal audit method. The contribution of this paper is mainly reflected in two aspects: on the one hand, through the research on the business process of small and micro-enterprise loans and risk control system of NY branch, it finds the weakness of risk control system, proposes effective and feasible optimization, and provides reference for other banks. On the other hand, this paper reflects the risk in the context ofthe new era, making up for the lack of research on the risk control of small and micro enterprises, and contributes to solving the problem of bank’s risk control .
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