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论文编号：	14574
作者编号：	2320213729
上传时间：	2024/6/2 18:29:18
中文题目：	G银行天津分行小微信贷业务风险管理研究
英文题目：	Research on Risk Management of Small and Micro Credit Business at G Bank Tianjin Branch
指导老师：	程新生
中文关键字：	银行；小微信贷；风险管理
英文关键字：	Banks；Small and micro credit；risk management
中文摘要：	近年来国家大力发展普惠金融，各金融机构积极响应国家号召纷纷加大了对小微企业的贷款投放力度。但由于小微企业自身抗风险能力较弱，加上不同商业银行内部管理水平的限制，银行小微信贷风险管理工作仍存在很大压力。进入数字化时代，大数据信息技术和互联网金融的迅速发展，也给传统商业银行的小微信贷风险管理带来了诸多机遇和挑战。 G银行天津分行是非常典型的国有商业银行，在国有银行中的地位举足轻重，但是其小微信贷业务的风险管理情况也不容乐观，近年来随着普惠小微信贷业务如火如荼的开展，小微信贷风险管理问题暴露得愈发明显，贷款不良率存在上涨趋势。当前，为应对大环境变化带来的信贷风险管理挑战，G银行天津分行如何创新发展路径，完善各项风险管理措施，提升自身小微信贷风险管理能力和水平，更好助力小微企业成长，是一个有重要意义的研究内容。 本文从实际出发，在相关理论研究的基础上，结合G银行天津分行所处的市场环境和的小微信贷风险管理实际情况，通过包含案例分析、问卷调查等多种研究方法对 G 银行天津分行的小微信贷业务风险管理中存在的问题及其成因进行深入分析，然后分别从培育先进信贷风险管理文化、健全小微信贷风险管理体制、优化小微信贷资产结构、运用数字技术赋能风险管理这几个方面有针对性的提出建设性的优化建议。 本文一方面可以为研究对象 G银行天津分行提升小微信贷风险管理工作水平提供一些参考，同时也可以为同业其他金融机构的小微信贷风险管理工作提供一点借鉴。
英文摘要：	In recent years, the country has vigorously developed inclusive finance, and various financial institutions have actively responded to the country's call to increase their loan allocation to small and micro enterprises. However, due to the weak risk resistance of small and micro enterprises themselves, as well as the limitations of different internal management levels of commercial banks, there is still great pressure on the risk management of small and micro loans in banks. Entering the digital era, the rapid development of big data information technology and Internet finance has also brought many opportunities and challenges to the small and micro credit risk management of traditional commercial banks. G Bank Tianjin Branch is a very typical state-owned commercial bank, playing a crucial role in state-owned banks. However, the risk management of its small and micro credit business is also not optimistic. In recent years, with the vigorous development of inclusive small and micro credit business, the risk management problems of small and micro credit have become increasingly apparent, and the non-performing loan ratio is on the rise. Currently, in response to the challenges of credit risk management brought about by changes in the overall environment, how G Bank Tianjin Branch innovates its development path, improves various risk management measures, enhances its ability and level of small and micro credit risk management, and better supports the growth of small and micro enterprises is an important research topic. This article starts from reality and, based on relevant theoretical research, combines the market environment and the actual situation of small and micro credit risk management in G Bank Tianjin Branch. Through various research methods including case analysis, questionnaire survey, etc., it deeply analyzes the problems and causes of small and micro credit business risk management in G Bank Tianjin Branch. Then, targeted optimization suggestions are proposed from cultivating advanced credit risk management culture, improving small and micro credit risk management system, optimizing small and micro credit asset structure, and using digital technology to empower risk management. This article can provide some reference for the research object G Bank Tianjin Branch to improve the level of small and micro credit risk management, and also provide some reference for the small and micro credit risk management work of other financial institutions in the same industry.
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