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论文编号：	12594
作者编号：	2320180714
上传时间：	2021/6/16 14:53:31
中文题目：	A银行小微企业信贷风险管理优化研究
英文题目：	A银行小微企业信贷风险管理优化研究
指导老师：	张晓农
中文关键字：	A银行；小微企业；信贷业务；风险管理
英文关键字：	A Bank; Small and micro enterprises; Credit business; Risk management
中文摘要：	近几年，受我国宏观经济发展速度放缓、中美贸易战、新冠疫情爆发等外部因素影响，再加上金融机构自身在风险评估和控制方面仍有一定短板，致使商业银行信贷违约风险持续暴露。 小微企业是我国重要的经济创新主体。推进我国现代化产业体系建设，必须持续激发小微企业活力，尤其在新冠疫情重创世界经济的当下，金融业必须加大对优质小微企业的精准扶持力度。商业银行的业务体系较为繁杂，其中信贷业务是其核心环节。但信贷业务具有较大风险，因此，构建起完善、严谨、可靠的风控体系，是保证商业银行稳健开展信贷业务的前提。所以，本研究希望通过案例分析，找到A银行小微企业信贷风险管理的优化路径。 本研究主要采取文献研究法和案例研究法，数据来源主要是A银行的公开资料与内部资料，还有对相关工作人员的访谈。本研究以A银行作为研究对象讨论小微企业信贷业务风险管理，从小微企业信贷风险管理等相关概念入手，分析A银行在小微企业信贷风险管理方面的现状以及存在的问题。在问题的基础上，提出改进A银行小微企业信贷业务的风险控制和优化方案，以此来促进A银行小微企业信贷业务发展。 通过结合相关理论与A银行实践，本研究具有较好的理论创新和实践创新：理论上，通过整合信息不对称理论、生命周期理论及关系型银行贷款理论，该论文构建了整体性的研究框架，验证了商业银行小微企业信贷风险管理绝不仅仅是某一个理论就能够解释清楚的，进一步丰富了理论框架。实践上，能够为A银行小微企业信贷业务未来发展提供支持，也能够为其他银行提供相关建议。
英文摘要：	In recent years, influenced by the external factors such as the slowing down of China's macro-economic development, Sino-US trade war and the outbreak of COVID-19, and the financial institutions themselves still have some shortcomings in risk assessment and control, the credit default risk of commercial banks has been exposed continuously. Small and micro-sized enterprises are the main body of economic innovation in China. To promote the construction of China's modern industrial system, we must continue to stimulate the vitality of small and micro-sized enterprises, especially when COVID-19 is creating a heavy blow to the world economy.The business system of commercial banks is complex, among which credit business is its core link. But credit business has great risks, so it is the premise to build a perfect, rigorous and reliable risk control system to ensure the commercial banks to carry out credit business steadily.Therefore, this study hopes to find the optimization path of credit risk management of small and micro enterprises in bank A through case analysis. This study mainly adopts the methods of literature research and case study. The data sources are mainly the public information and internal information of bank A, as well as interviews with relevant staff. This study takes bank A as the research object, discusses the credit risk management of small and micro enterprises, and analyzes the current situation and problems of bank A in the credit risk management of small and micro enterprises. On the basis of the problems, this paper puts forward the risk control and optimization scheme to improve the small and micro enterprise credit business of bank A, so as to promote the development of small and micro enterprise credit business of bank A. Through the combination of relevant theories and the practice of bank A, this study has good theoretical and practical innovation: in theory, through the integration of information asymmetry theory, life cycle theory and relationship bank loan theory, this paper constructs an overall research framework.It proves that the credit risk management of small and micro enterprises in commercial banks can not be explained by just one theory, which further enriches the theoretical framework. In practice, it can provide support for the future development of small and micro enterprise credit business of bank A, and also provide relevant suggestions for other banks.
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