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论文编号：	13728
作者编号：	2320200650
上传时间：	2022/12/7 21:35:20
中文题目：	G国有银行T分行普惠金融贷款风险管理研究
英文题目：	Research on the Risk Management of Inclusive Financial Loans of T Branch of G State-owned Bank
指导老师：	张继勋
中文关键字：	国有银行；普惠金融贷款；风险管理
英文关键字：	State-owned Bank；Inclusive financial loan；Risk Management
中文摘要：	根据最新年度的经济普查数据，小微企业法人单位数占据全部市场主体的98.50%，拉动56.36%的就业人数。但与此同时，随着新冠疫情的冲击和宏观经济下行的环境因素，以及小微企业自身抵御外部风险的能力弱、利润空间薄、流动资金储备不足、贷款资金不易获得等客观原因，导致普惠小微企业经营发展受到了严重影响，也考验了银行普惠金融贷款风险管理水平。 商业银行的风险管理就是在有风险的环境下尽可能降低风险的发生概率，然而现有的银行风险管理研究多聚焦于传统商业银行贷款如商业银行大中型对公客户贷款，对近几年兴起的普惠金融客户研究尚且不足，普惠金融也是近些年商业银行贷款的重要组成部分并逐年扩大规模。疫情冲击致使我国部分普惠小微企业面临经营困境，融资需求大大增加，在普惠金融政策背景下,商业银行面向小微企业推出一系列的融资服务,一定程度上缓解了小微企业的融资难问题，但是与之而来的是银行贷款不良率的飞速上升。所以本文着重分析国有商业银行在普惠金融贷款方向的风险管理，从贷前、贷中、贷后三方面研究G国有银行T分行在普惠金融贷款风险管理中存在的主要问题，并提出相应的改进措施，为商业银行更好的发挥金融效力支持小微企业生存和发展提供理论支持。 据此，研究者希望可以通过本研究对国有银行普惠金融贷款风险管理体系更快更好地建设提供帮助，提升银行整体全面风险管理水平，推动我国普惠金融“茁壮生长，健康发展”，进而完成全社会共同富裕、均衡发展的目标。
英文摘要：	According to the latest economic census data, the number of legal entities of small and micro enterprises accounts for 98.50% of all market entities, driving 56.36% of the number of employment. However, at the same time, with the impact of the new crown epidemic and the environmental factors of the macroeconomic downturn, as well as the objective reasons such as the weak ability of small and micro enterprises to resist external risks, thin profit margins, insufficient liquidity reserves, and difficult access to loan funds, the operation and development of inclusive small and micro enterprises have been seriously affected, and the risk management level of bank inclusive financial loans has also been tested. The risk management of commercial banks is to reduce the probability of risk as much as possible in a risky environment, but the existing bank risk management research mostly focuses on traditional commercial bank loans such as commercial bank large and medium-sized corporate customer loans, and the research on inclusive financial customers that have emerged in recent years is still insufficient, and inclusive finance is also an important part of commercial bank loans in recent years and expanding the scale year by year. Under the background of inclusive financial policies, commercial banks have launched a series of financing services for small and micro enterprises, which has alleviated the financing difficulties of small and micro enterprises to a certain extent, but with it, the non-performing rate of bank loans has risen rapidly. Therefore, this paper focuses on analyzing the risk management of state-owned commercial banks in the direction of inclusive financial loans, studies the main problems existing in the risk management of inclusive financial loans of T branch of state-owned banks from three aspects: before, during and after loans, and puts forward corresponding improvement measures to provide theoretical support for commercial banks to better exert their financial effectiveness and support the survival and development of small and micro enterprises. Based on this, the researcher hope that this study can help the construction of the inclusive financial loan risk management system of state-owned banks faster and better, improve the overall risk management level of banks, promote the "vigorous growth and healthy development" of inclusive finance in China, and then complete the goal of common prosperity and balanced development of the whole society.
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