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论文编号：	7173
作者编号：	2220120543
上传时间：	2015/5/28 18:41:41
中文题目：	中信银行小微企业贷前风险评估研究
英文题目：	Research on Preliminary Risk Assessment before CITIC Bank Loan to Small and Micro Enterprises
指导老师：	林润辉
中文关键字：	贷前调查，小微企业，信用评级，中信银行
英文关键字：	Survey Before the Loan，Small and Micro Enterprises，Risk Rating，Citic Bank
中文摘要：	商业银行是现代金融体系中的主体，起着核心作用。商业银行在国家的政策实施过程中充当传导机制，直接传输到各行各业，商业银行的风险管理水平对整个经济周期运行起着至关重要的作用。小微企业是吸纳就业人员的主力军，是繁荣经济、促进国民经济增长的基石，是缩小贫富差距、区域差距和城乡差距，以及促进社会和谐稳定的基础力量。它在推动经济增长、发展科技创新、促进城乡就业、维持社会和谐稳定等方面发挥着不可替代的作用。银行向企业发放贷款，企业进行生产投资，一旦投资失败，资金收不回来，就直接转化为不良贷款，反应成银行的风险。所以银行风险是整个经济系统性风险的综合体现，企业风险直观地表现为银行的风险。因此研究银行贷前风险识别技术对于防范风险具有重要作用，本文以中信银行为主要出发点来进行相关阐述。由于小微企业不像大中型企业具有直观的“硬信息”来进行审查，本文通过分析中信银行2014年度小微企业否决贷款各项案例，整理出适应于小微企业的银行贷前风险评估评价体系。文章主要针对借款人风险、抵押物风险、企业经营风险、虚假材料风险四大重点风险环节，在评价体系中根据业务来源分布、企业经营能力、企业经营业绩、风控措施等方面来进行框架设置分值，再予以风险点的细化，以达到在贷前调查环节防范风险。这对于促进银行实现电子化审批，提高审批效率，以及应用推广具有重要意义。
英文摘要：	Commercial banks play a central role in the modern financial system. Commercial banks act as transmission mechanisms in the national policy implementation process, directly transmitted to all walks of life. Risk management of commercial banks for the entire period of operation plays a vital role. Small and micro enterprises are the main force to absorb employment, and are the cornerstone of economic prosperity, promoting economic growth, narrowing the wealth gap, regional disparity and urban-rural gap and promoting social harmony and stability. It plays an irreplaceable role in the promotion of economic growth, science and technology innovation, expanding urban and rural employment and promoting social harmony and stability, and banks grant loans to businesses, once the investment fails, that will directly lead to non-performing loans, acting as the risk of banks. So the bank’s risk is a comprehensive reflection of the entire economic systemic risk, enterprise risk performances the bank's risk. So the research on the bank loan before risk identification technology takes an important role in preventing risks, and the paper looks CITIC Bank as the main starting point for the related elaboration. Due to the small and micro enterprises and medium-sized enterprises with an intuitive, unlike "hard information" to carry out the review, the paper analyzes the CITIC Bank 2014 annual small micro-enterprise loans to veto the case, finishing out of the top small and micro enterprises to adapt to the risk assessment of bank loan ratings card, The main risk for the borrower, collateral risk, business risk, the risk of false material four key risk areas in the evaluation system, set up a framework for the distribution of scores based on sources of business, entrepreneurship, business performance, risk control measures, again be refined risk points to the loan prior to the survey link risk prevention which is important for the promotion of the realization of electronic bank approval, improve processing efficiency, and promote the application.
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