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论文编号：	13485
作者编号：	2320200444
上传时间：	2022/12/3 16:57:07
中文题目：	H银行小微企业信贷风险管理优化研究
英文题目：	Research on optimization of credit risk management for small and micro enterprises in H Bank
指导老师：	张晓农
中文关键字：	小微企业；信贷投放；信贷风险管理
英文关键字：	small and micro enterprises; credit extension ; credit risk management
中文摘要：	从我国的经济体制构成来看，商业银行是其中的一个重要组成部分，作为商业银行的核心业务，信用业务存在着一定的风险。特别是在2019年末，新型冠状病毒的暴发对全球经济造成了巨大的冲击，由于疫情影响，我国政府采取了宽松的货币政策，加大了银行信用风险管理的难度。小微企业是我国经济发展的关键力量，受疫情影响尤为突出，因此，必须加大对小微企业的信贷风险管理。 基于此，本文首先在已有文献资料搜集整理的基础上，确定整体的研究背景、意义、研究现状、内容、方法及创新点；对小微企业信贷、风险管理、小微企业信贷风险管理的概念作为界定；明确本研究的相关理论基础，包括信息不对称理论、信贷配给理论、资产负债管理理论。然后分析H银行小微企业信贷风险管理现状。介绍了H银行基本情况、业务发展情况以及H银行所在区域经济环境及产业特点，从授信前小微企业审核工作、贷中产品与风险匹配、普惠业务贷后监控和报告制度方面指出了H银行小微企业信贷风险管理工作存在的问题。通过介绍疫情背景下小微企业信贷风险情况引出H银行小微企业信贷风险管理存在的问题，进一步分析了H银行小微企业信贷风险管理问题产生的原因。针对H银行所面临的问题，本文给出了如加强小微企业信贷审查管理、运用大数据完成数字化转型等针对性的优化对策；并提出了一系列保障措施确保H银行风险管理的优化落实。同时引入G公司的真实授信案例验证优化对策的可行性，证明了本文提出的评价体系合理性。最后提出结论和展望，为商业银行小微企业风险管理的进一步发展提供了参考。
英文摘要：	From the perspective of China's economic system, commercial banks are an important part of it. As the core business of commercial banks, credit business has certain risks. Especially at the end of 2019, the outbreak of new corona virus had a huge impact on the global economy. Due to the impact of the epidemic, the Chinese government adopted a loose monetary policy, increasing the difficulty of bank credit risk management. Small and micro enterprises are the key force of China's economic development, especially affected by the epidemic. Therefore, we must increase credit risk management for small and micro enterprises. Based on this, this paper first determines the overall research background, significance, research status, content, methods and innovation points on the basis of the collection and collation of existing literature; To define the concepts of credit, risk management and credit risk management of small and micro enterprises; Clarify the relevant theoretical basis of this study, including information asymmetry theory, credit rationing theory, asset liability management theory. Then analyze the current situation of credit risk management of small and micro enterprises in Bank H. This paper introduces the basic situation and business development of Bank H, as well as the regional economic environment and industrial characteristics of Bank H, and points out the problems in the credit risk management of Bank H's small and micro enterprises from the aspects of pre credit audit, product and risk matching during credit, post loan monitoring and reporting system of inclusive business. By introducing the credit risk situation of small and micro enterprises in the context of epidemic situation, the existing problems in credit risk management of small and micro enterprises of Bank H are introduced, and the causes of the problems in credit risk management of small and micro enterprises of Bank H are further analyzed. In view of the problems faced by Bank H, this paper gives targeted optimization countermeasures such as strengthening the credit review management of small and micro enterprises, and using big data to complete digital transformation; And put forward a series of safeguard measures to ensure the optimization and implementation of risk management of Bank H. At the same time, the real credit case of G Company is introduced to verify the feasibility of optimization measures, which proves the rationality of the evaluation system proposed in this paper. Finally, the conclusions and prospects are put forward, which provide a reference for the further development of risk management of small and micro enterprises in commercial banks.
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