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论文编号：	7003
作者编号：	2120122695
上传时间：	2014/12/9 20:30:38
中文题目：	JT银行天津市分行钢贸联保业务风险控制研究
英文题目：	The Research on the Risk Control of Group Lending in Steel Trade Industry of Tianjin Branch , JT Bank
指导老师：	李莉
中文关键字：	风险控制;商业银行;联保贷款;JT银行天津市分行
英文关键字：	risk control;commercial banks;group lending;Tianjin branch, JT bank
中文摘要：	随着改革开放的持续深入，我国的经济在过去十多年内实现了飞速的发展，而今进入了一个平稳的过渡调整阶段.经济发展的放缓也引发了部分领域风险的暴露。在过往粗放式的发展方式下，我国商业银行以及其他金融机构在风险控制方面的把控也是较为粗放的。如今，我国已进入经济上需精细化发展的时代，同样，商业银行以及其他金融机构的风险控制也应随之更为精准、专业。 过去十多年，关于解决中小企业融资难的相关研究层出不穷。其中作为重点研究方向的联保贷款业务模式，在那段历史时期内为中小企业解决了不少融资难题。但进入经济调整期后，联保贷款模式下的贷款业务在不同程度上出现了风险，那么是联保贷款本身在逻辑关系上就不合理，还是商业银行的风险控制手段有待提高呢？ 本文在已有研究的基础上，从商业银行的角度出发，以风险控制理论、联保贷款理论为研究框架来分析联保贷款的风险要素、成因。进而对JT银行天津市分行现有的联保贷款业务进行分析，研究评价其现有风控手段及其存在的问题，提出从总量管控、追加个人连带责任担保、建立关联关系档案等方面进行风险控制优化的方案。最后以周宁籍钢贸联保贷款的实证案例对风险控制优化方案展开论证，并提出可操作化建议。本文旨在通过对联保贷款风险控制的研究，加强优化商业银行风险控制的手段和方法，促进合理应用联保贷款，不仅为解决中小企业融资难的问题提供思路，更是对商业银行整体风险控制研究的一项积极推进。 但本文仅从商业银行角度探索了联保贷款风险防控机制，同时案例的最终业务损失还未确定，研究的内容、范围都有相当的局限性，其在商业银行整体风险控制中的普遍适用性以及对全民征信体系建立的借鉴意义有待进一步挖掘。
英文摘要：	With the reform and opening-up deepening, China economy developed rapidly over the past ten years, and now has entered a smooth transition and adjustment phase. The slowdown of economic development has also resulted in the exposure of the risk in some fields. In the extensive mode of development, the commercial banks and other financial institutions in China adopted a relatively extensive mode of risk control in the past. Today, it is the period when China economy requires the refined development, meanwhile, the risk control of commercial banks and other financial institutions should also be more precise and professional. Over the past decade, the research on solutions to SME financing difficulties ABounds. As a key direction of the research, the group lending institution solved many financing problems for SMEs during that historical period. After entering the period of economic adjustment, the risks of different degrees have occurred in the loan businesses of Group Lending mode. And is there the unreasonABle logic of the group lending itself, or do risk control measures of commercial banks need to be improved? Based on existing research, from the perspective of commercial banks, this thesis adopts the risk control theory, group lending theory as the framework for the study to analyze factors and causes of the risk of group lending. Then it analyzes the existing group lending cases of T Branch of J Bank, evaluates the existing risk control measures of T Branch and the related problems, proposes the solution that the risk control optimization should focus on the total amount control, additional personal joint and several liABility guarantees, the estABlishment of relationship files and other aspects. Finally, this thesis analyzes the empirical case of Zhouning steel trade group lending to demonstrate the risk control optimization program, and makes easy-operating recommendations. Studying the risk control of group lending, this thesis aims to optimize and improve the risk control measures and methods of commercial banks, and promote the rational application of group lending, which not only provides ideas for solving the difficult problems of SME financing, but also promotes the study on the overall risk control of commercial banks actively. But the risk control mechanism for group lending has been explored just from the perspective of commercial banks in this thesis, and the losses of the business case have not been determined yet, the research has considerABle limitations in the content and scope, which requires further excavation for its universal application in the overall risk control of commercial banks and the value as the reference to the whole credit system.
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