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论文编号：	13524
作者编号：	2320180604
上传时间：	2022/12/4 7:14:23
中文题目：	G银行小微企业信贷风险管理研究
英文题目：	Research on credit risk of management of small and micro-sized enterprises in G Bank
指导老师：	石鉴
中文关键字：	商业银行；小微企业；风险管理；金融科技
英文关键字：	Commercial bank；Small and micro enterprises；Risk management；Finance technology
中文摘要：	随着当前社会经济发展，小微企业作为我国经济增长的重要因素，不仅数量在经济主体中占据绝对优势，且在促进社会进步、带动就业、改善民生等方面起到非常关键的作用。近年来国家政策大力支持普惠金融，通过多种方式大力支持小微企业发展。自2020年新冠疫情暴发后，政府大力加强对小微企业的纾困工作，包括采取小微企业贷款延期还本付息等政策，推出小微企业缓税、个体工商户减免所得税等政策，帮助小微企业度过当前难关。党的二十大报告中也首次单独指出“支持中小微企业发展”。随着小微企业信贷业务快速增长，商业银行面临的信贷风险管理问题也随之彰显。小微企业由于生存周期较短、经营规模较小，同时存在基础信息不足、财务数据不完整、管理不规范等情况，因此抗风险能力较弱，面对其自身存在特性，如何在当前形势下因应政策有效防范控制小微企业贷款风险，实现小微企业和商业银行合作共赢，成为国内商业银行面临的一个主要问题，同时也对社会经济发展具有重要意义。 本文采用文献研究法、实地调查法和实证研究法，在查阅参考国内外有关研究基础上梳理总结有关小微企业信贷风险管理研究成果，在阐述风险管理相关理论基础上，论述商业银行信贷风险管理工作有关概念及理论，并选择将小微企业信贷业务作为一项主营业务的国有银行G银行作为主要研究样本，在分析该行现状及存在问题基础上，根据风险管理理论和小微企业特点，结合相关实际工作实践和实证分析，提出该行小微企业信贷业务面临的风险因素，结合风险内外部成因对其进行分析评价，相应在此基础上提出G银行小微企业信贷风险管理应对策略，并从对应角度给出相应实施保障。 经过分析得出结论，该行主要信贷风险经层次分析法和模糊分析法识别分析主要提炼为企业信用风险、企业操作风险、银行操作风险、市场风险等组成的风险因素集合，经模型分析评价确定其中信用风险和操作风险为主要风险，集中于贷前、贷中、贷后多个环节，并列出相应影响。依据风险管理理论及流程实践，对风险问题进行应对处理，在贷前、贷中、贷后、人员、技术、产品等层面提出相关风险管理对策，与问题相对应，分为四个部分，第一部分为贷前、贷中、贷后流程全面风险管理，第二部分为加强队伍建设和合规文化教育，第三部分为推进信贷智能风控建设，第四部分为加强信贷产品创新。同时在保障方面给出组织、文化、人才、技术等多方面建议协助保障风险管理对策实施。论文创新之处主要在于根据当前时代背景和银行金融科技发展对小微企业信贷风险管理提出具体应对措施，并从多方面结合给出对应实施保障措施，为G银行提升小微企业信贷管理水平提供建议及参考，同时也为国内商业银行开展小微企业信贷业务提供相应思路。
英文摘要：	Small and micro enterprises,as an important part of the social economic development of our country, play a very important role in technological innovation, promoting employment, improving people's livelihood, increasing taxes and so on . With the rapid growth of credit business of small and micro enterprises, their credit risks are increasingly prominent, and the problem of risk management is also highlighted. In recent years, the national policy has strongly supported the development of inclusive finance, and vigorously supported the development of small and micro enterprises through the establishment of a national financing guarantee fund, and the requirement of banks to set up inclusive finance divisions. Since the outbreak of COVID-19 in 2020, the state has stepped up rescue efforts for small and micro enterprises, including implementing measures to postpone the repayment of capital and interest on loans for small and micro enterprises, tax relief for small and micro manufacturing enterprises and income tax reduction for individual industrial and commercial households. Compared with large and medium-sized enterprises, small and micro enterprises have shorter life cycle, smaller operation and production scale, and weaker anti-risk ability. At the same time, due to the lack of basic information, incomplete financial data,how to effectively prevent and control the loan risk of small and micro enterprises, achieve a win-win situation between small and micro enterprises and banks, has become a major problem faced by domestic commercial banks. On the basis of reading domestic and foreign related materials, the thesis summarizes the research results on credit risk management of small and micro enterprises , and evaluates the current situation of credit risk management of small and micro enterprises, puts forward the corresponding credit risk management measures,so as to help G Bank improve the credit management ability of small and micro enterprises in the future,and provide reference for domestic banks to carry out small and micro enterprise credit business.
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