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论文编号：	13751
作者编号：	2120202967
上传时间：	2023/3/8 9:57:16
中文题目：	H银行中小企业贷款业务操作风险管理研究
英文题目：	Research on Operational Risk Management of Small and Medium-sized Enterprise Loan of H Bank
指导老师：	李莉 奚晓鸣
中文关键字：	中小企业贷款;操作风险管理;商业银行
英文关键字：	SME loans;operational risk management;commercial bank
中文摘要：	近年来，我国正在逐步转变经济发展模式，并且不断深入供给侧结构性改革，给中小企业的经营发展带来了一定的挑战；与此同时，许多行业都因为新冠疫情受到负面影响，中小企业“融资难”的问题更加明显。在后疫情时代，政府正在不断出台政策如减税降息来扶持中小企业渡过难关，商业银行也纷纷响应政策，加大对中小企业的贷款投放力度。然而由于中小企业自身经营风险较高，部分商业银行的此类贷款业务质量出现了明显下降。商业银行想提高资产质量就需要研究如何改进风险管理模式，同时减少银行内部的操作风险。本文以操作风险管理为核心，选取了存在较多操作风险的H银行为案例企业，对其现行的操作风险管理体系进行优化设计，有效降低中小企业贷款业务的风险。 本文采用文献研究、案例研究和实地调查相结合的方法，分析了H银行中小企业不良贷款案例，发现其操作风险管理中存在的问题，结合H银行所处地域的特点，对其原有操作风险管理体系进行优化，得出研究结论。第二章列举了风险管理的相关理论，为后续的改进措施提供理论基础。第三章先介绍了H银行的基本情况，对其现行操作风险管理的关键内容进行分析，结合不良贷款案例，分析出存在的问题，并列举了问题产生的原因。第四章结合第三章的分析结果，对H银行贷前调查、贷中审批及贷后管理提出相关建议。第五章为优化策略的执行提供保障措施。 本文研究发现H银行现行的操作风险管理体系存在缺陷，在中小企业贷款业务上缺乏一定的针对性，本文结合H银行的实际情况提出优化建议。首先，在贷前调查上要加强对行业信息、财务信息的识别，重视企业实际控制人的家庭财务情况。其次，贷中审批需要采用合适的授信公式，并重视中小企业贷款对时效性的需求，改进审批流程。最后，H银行应当将贷后考核内容加入到绩效评价中，并提高贷后检测系统的自动化水平。
英文摘要：	In recent years, China is gradually changing the mode of economic development, and constantly deepening the supply side structural reform, which has brought certain challenges to the operation and development of small and medium-sized enterprises; At the same time, affected by COVID-19, all walks of life have been profoundly affected, and the problem of "financing difficulties" of small and medium-sized enterprises is more obvious. In the post epidemic era, the government is constantly introducing policies, such as tax cuts and interest rate cuts, to help SMEs tide over difficulties. Commercial banks have also responded to the policies one after another and increased their lending to SMEs. However, due to the high operational risk of SMEs themselves, the quality of such loans of commercial banks has declined significantly. How to improve the risk management mode and reduce the operational risk of banks has become an important issue for banks to improve the quality of assets. This paper takes operational risk management as the core, selects Bank H, which has many operational risks, as a case enterprise, and optimizes its current operational risk management system to effectively reduce the risk of SME loan business. This paper uses the methods of literature research, case study and field investigation to analyze the non-performing loan cases of small and medium-sized enterprises of Bank H, find out the problems in its operational risk management, optimize its original operational risk management system in combination with the characteristics of the region where bank h is located, and draw a research conclusion. The second chapter lists the relevant theories of risk management to provide a theoretical basis for the follow-up improvement measures. The third chapter first introduces the basic situation of Bank H, analyzes the key content of its current operational risk management, analyzes the existing problems combined with the non-performing loan cases, and lists the reasons for the problems. In Chapter 4, combined with the analysis results in Chapter 3, relevant suggestions are put forward for the pre loan investigation, in loan approval and post loan management of bank H. The fifth chapter provides safeguard measures for the implementation of the optimization strategy. This paper finds that the current operational risk management system of Bank H has defects and lacks certain pertinence in the loan business for small and medium-sized enterprises. This paper puts forward optimization suggestions based on the actual situation of bank H. First, in the pre loan investigation, we should strengthen the identification of financial information and pay attention to the family financial situation of the actual controller of the enterprise. Secondly, appropriate credit formula should be adopted for loan approval, and attention should be paid to the timeliness of SME loans to improve the approval process. Finally, the post loan assessment should be added to the performance evaluation, and the automation level of the post loan detection system should be improved.
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