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论文编号：	12156
作者编号：	2320180486
上传时间：	2020/12/14 11:38:08
中文题目：	建行T分行小微企业信贷风险管理研究
英文题目：	The Research on Credit Risk Management of Small and Micro Enterprises in T Branch of China Construction Bank
指导老师：	王曼舒
中文关键字：	中国建设银行；小微企业；信贷风险管理
英文关键字：	China Construction Bank；Small and micro enterprises；Credit risk management
中文摘要：	近几年，在发展我国实体经济、维护社会稳定中，小微企业成为了当之无愧的主力军。政府普惠金融政策多管齐下，商业银行全力以赴改善小微企业融资现状。各行通过大数据信贷产品的研发更新，不断提高向小微企业投放贷款的总量。但与高速增长的信贷投放相对应的，是风险管理脚步的滞后。产品和信贷流程创新速度之快，使陌生的风险点逐一暴露，风险管理难度日益增大。因此，如何进一步加强银行小微企业信贷风险管理显得十分重要与必要。 本文在明确研究内容后，整理出基础框架。首先提炼中外文献中成熟理论及相关概念的精华，奠定全文理论基础；然后概览中国建设银行T分行小微企业信贷业务发展，结合小微企业经营特点和频发风险因素，点出现阶段风险管理中存在的问题，并剖析问题成因；通过搜集同业数据，参考借鉴同业行之有效的管理措施，拓宽优化思路；最后，为建行T分行小微企业信贷风险管理提出优化策略的建议，并通过实际风险案例的验证，将优化措施具象化。 本文聚焦大数据信贷产品，结合同业调研理论联系实际。从实践经验出发，总结出健全小微企业风险管理机制、强化小微企业信贷风险管理流程、优化小微企业信贷风险管理工具、强化从业人员管理四方面优化建议，并将理论验证回实践中去。案例研究深入具体，对策建议具备一定的实操性，为优化小微企业信贷风险管理措施提供参考，夯实普惠金融客户基础，提升潜在风险的识别和阻断能力，拉紧商业银行发展新防线。
英文摘要：	In recent years, in the development of China's real economy and the maintenance of social stability, small and micro enterprises have become a well deserved main force. With the government's inclusive financial policy, commercial banks are making every effort to improve the financing situation of small and micro enterprises. Banks continuously increase the total amount of loans to small and micro enterprises through the R & D and update of big data credit products. However, the pace of risk management lags behind the rapid growth of credit. With the rapid innovation of products and credit process, unfamiliar risk points are exposed one by one, and the difficulty of risk management is increasing day by day. Therefore, it is very important and necessary to further strengthen the credit risk management of small and micro enterprises. In this paper, after clarifying the research content, the basic framework is sorted out. Small and micro businesses small and micro businesses in China Construction Bank T branch are developed by combining the essence of maturity theory and related concepts in Chinese and foreign literatures. Then, the effective development of small and micro enterprises in China's Construction Bank is discussed. Combining with the characteristics and risk factors of small and micro enterprises, the problems in the risk management at the stage of emergence are analyzed, and the causes of the problems are analyzed. Finally, it puts forward suggestions for the credit risk management of small and micro enterprises in t branch of China Construction Bank, and makes the optimization measures concrete through the verification of actual risk cases. This paper focuses on big data credit products, combines the theory of peer research with practice. Based on the practical experience, this paper summarizes four optimization suggestions, including perfecting the risk management mechanism of small and micro enterprises, strengthening the credit risk management process of small and micro enterprises, optimizing the credit risk management tools of small and micro enterprises, and strengthening the management of employees. The case study is in-depth and specific, and the countermeasures and suggestions have certain practicality, which can provide reference for optimizing the credit risk management measures of small and micro enterprises, consolidate the inclusive financial customer base, enhance the identification and blocking ability of potential risks, and tighten the new defense line for the development of commercial banks.
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