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论文编号：	11648
作者编号：	2120183035
上传时间：	2020/6/19 15:30:19
中文题目：	城市商业银行H中小企业信贷风险管理研究
英文题目：	Research on credit risk management of small and medium-sized enterprises in city commercial bank H
指导老师：	林润辉
中文关键字：	城市商业银行；中小企业信贷风险管理；风险识别；风险评估；风险应对
英文关键字：	City commercial bank; Credit risk management of small and medium-sized enterprises；Risk identification；Risk assessment；Risk response
中文摘要：	本文从信贷风险管理的理论入手，主要通过三个部分的梳理与分析，在风险识别，风险评估和风险应对等信贷风险的操作层面分析H银行的中小企业信贷风险管理现状，并讨论对其进行改进和完善的建议和措施。同时，结合H银行作为城市商业银行的属性，根据当前河北省经济发展政策取向和经济形势，着重分析在经济转型期内H银行在银行经营层面如何通过自身的改革创新，推进新形势下中小企业信贷风险管理。并分析根据未来银行业监管政策取向以及河北省推进高污染、高耗能行业退出、加快培育新兴产业、加强大气污染防治以及采暖季环保限产政策等外部政策环境下，H银行如何适应外部政策环境，在减少经营风险的同时相应降低政策风险、监管风险等不可抗力风险对中小企业信贷资产质量的影响，加强系统性、行业性、地域性等的中小企业信贷风险管理，加强授信政策的可行性和前瞻性。本文结合信贷业务实践，系统分析中小企业信贷风险管理业务中存量业务与增量业务的关系，在政策监管要求的外部环境以及转型可持续发展的内部要求的双重背景下，探求作为追求收益与风险相协调的银行业金融机构的H银行在未来中小企业信贷风险管理业务中需要规避和逐步压减的行业领域，加强对未来有高成长性的中小企业以及符合战略性新兴产业、符合河北省经济发展趋势、符合京津冀地区环境保护政策等政策取向的中小企业支持，丰富产品结构和风控政策，找寻到有利于提高H银行中小企业信贷资产规模与质量、中小企业信贷风险管理水平的对策。本文以H银行为例，力求使H银行中小企业信贷风险管理的改革与创新为银行业中小企业信贷风险管理的改革与创新提供了有益的参考。笔者从H银行的角度，从银行管理者的角度，梳理了当前银行业中小企业信贷风险管理的发展进程，通过以H银行为代表的诸多银行金融机构的自身的改革发展来推动实现银行未来发展与中小企业未来发展的共赢。
英文摘要：	Starting with the theory of credit risk management, this paper analyzes the current situation of credit risk management for bank h in the operational, the suggestions and measures for improvement and perfection are also discussed. At the same time, combined with the attribute of h bank as a city commercial bank, according to the current economic development policy orientation and economic situation of Hebei Province, this paper emphatically analyzes how h bank manages the bank through its own reform and innovation in the period of economic transformation. It also analyzes the situation under the external policy environment such as the direction of future banking supervision policy and the policy of Hebei Province and high-energy-consuming industries, accelerate the cultivation of emerging industries, strengthen the prevention and control of air pollution, and limit production in the heating season, how does bank h adapt to the external policy environment, reduce the impact of policy risks, regulatory risks and other force major risks on the quality of Small and medium-sized enterprises 's credit assets while reducing operational risks, strengthen the systematic, industrial, regional and other Small and medium-sized enterprises 's credit risk?management, credit policy to strengthen the feasibility and forward-looking. Based on the practice of credit business, this paper systematically analyzes the relationship between stock business and increment business in the credit risk management business of small and medium-sized enterprises, against the dual background of the external environment of the policy regulatory requirements and the internal requirements of the transition to sustainable development, to explore the industry fields that bank H, as a financial institution in the banking industry, needs to avoid and gradually reduce in the future credit risk management business of small and medium-sized enterprises, we will strengthen credit support for small and medium-sized enterprises with high growth potential in the future, as well as those that are in line with strategic emerging industries, the trend of economic development in Hebei Province and the policy orientation of environmental protection in the Beijing-tianjin-hebei region, this paper puts forward some countermeasures for improving the scale and quality and the credit risk management level of the small and medium-sized enterprises in h bank. Taking Bank H as an example, this paper takes the reform and innovation of credit risk management of small and medium-sized enterprises in bank H as a blueprint to provide useful reference for the reform and innovation of credit risk industry. From the standpoint of h bank, from the perspective of bank operators and from the perspective of Bank Internal Risk Management, the author explores the Reform Direction of credit risk management for small and medium-sized enterprises in banking industry, through the reform and development of many banking financial institutions represented by bank H, we can realize the win-win of Bank's future development and Small and medium-sized enterprises 's future development.
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