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论文编号：	11426
作者编号：	2320170353
上传时间：	2019/12/15 15:43:52
中文题目：	中行T分行中小微企业信贷风险管理优化研究
英文题目：	Optimization of Credit Risk Management In Bank of China T Branch for Small and Medium Enterprises
指导老师：	张晓农
中文关键字：	商业银行；信贷风险管理；中小微企业信贷
英文关键字：	commercial bank; credit risk management; small and medium-sized enterprise credit;
中文摘要：	中小微企业凭借其数量多、涉及行业领域广泛等特性，成为我国国民经济的中坚力量。但是，由于中小微企业的企业规模、人员及发展阶段的现实，中小微企业普遍存在一致的融资劣势，其企业的规模较小、财务制度不健全以及经营情况不稳定对商业银行信贷风险把控提供了巨大挑战，商业银行出于对利差利润的保护，对中小微企业信贷政策的把控日趋严格，中小微企业面临融资难困境。当前信息技术的迅猛发展为中小微企业信贷风险管理提供了有力支持，先进的信息挖掘和数据整合分析技术可以帮助商业银行整合更多的数据资源，挖掘更多的海量隐藏信息，商业银行从整合分析的数据中提取真实信息进行企业情况甄别和判断，降低信贷风险，提升商业银行处理效率，从而帮助商业银行提升信贷业务利润。 本文通过对中小微企业信贷和信贷风险管理相关的参考文献进行整理和总结，以中国银行T分行的实际案例为切入点，通过研究信贷风险管理的现状和主要问题，发现信息挖掘技术的应用能有效地解决其信贷风险管理的相关问题，并利用信息挖掘和整合技术思维优化信贷风险评价体系、信贷风险控制手段和信贷业务流程管理等部分。最后引入Y企业的真实授信案例说明信贷风险评价体系的优化是可验证的、是合理有效的，并就如何保障优化方案的落地实施提出思考和建议，为商业银行中小微企业信贷业务的进一步发展提供了指导。
英文摘要：	With its large number and wide range of industry sectors, small and medium-sized enterprises have become the backbone of China's national economy. However, due to the scale of enterprises, personnel and development stages of small and medium-sized enterprises, small and medium-sized enterprises have a common financing disadvantage. Commercial banks have tightened their control over the credit policies of small and medium-sized enterprises due to the protection of interest margins, and small and medium-sized enterprises are facing difficulties in financing. The rapid development of information technology has provided strong support for credit risk management of small and medium-sized enterprises. Advanced information mining and data integration analysis technology can help commercial banks integrate more data resources and mine more hidden information.The analysis of the data extracts the real information for the company's situation screening and judgment and improves the processing efficiency of commercial banks, thus helping commercial banks to improve the credit business profits. This paper sorts and summarizes the references related to credit and credit risk management of small and medium-sized enterprises, and takes the actual case of Bank of China T Branch as the entry point. By studying the current situation and main problems of credit risk management, it is found that the application of information mining technology can effectively solve the problems related to credit risk management, and use information mining and integrated technology thinking to optimize the credit risk evaluation system, credit risk control methods and credit business process management. Finally, the real credit case of Y enterprise is introduced. It also puts forward some suggestions and suggestions on how to ensure the implementation of the optimization plan, and further develops the credit business of small and medium enterprises in commercial banks.
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