联系我们

论文查询结果	返回搜索

论文编号：	7212
作者编号：	2220110276
上传时间：	2015/6/2 15:43:41
中文题目：	中信银行中小企业贷款风险管理研究
英文题目：	Research on credit risk management of small and medium sized enterprises of China CITIC Bank
指导老师：	黄福广
中文关键字：	中信银行;中小企业;贷款;风险管理
英文关键字：	CITIC Bank;small and medium-sized enterprises;loan;risk management
中文摘要：	目前，我国的商业银行仍然以授信业务作为其主营业务，银行的大部分利润也得益于此，随着我国经济的开放式发展，中小企业已成为商业银行授信业务重点发展对象。同时，中小企业也是我国国民经济的重要组成部分。发展商业银行对中小企业的融资支持是互惠互利的。一方面，中小企业长期受到 “融资难、贷款难、结算难”等问题的困扰，商业银行加大对中小企业的授信支持可以适应和满足其迅速增长带来的旺盛融资需求，促进中小企业持续发展。另一方面，商业银行调整战略目标，对中小企业积极开展贷款业务，有利于商业银行调整并优化自身的信贷结构，有利于降低其授信集中度，分散并转移信贷风险。本文以商业银行（中信银行）的角度对中小企业贷款风险管理开展研究，结合笔者在中信银行股份有限公司天津分行多年信贷工作的经验，以定量分析和定性分析相结合的方法进行分析。本文主体先后分为三个部分,首先是对中信银行中小企业贷款业务风险管理背景介绍,以中信银行为研究对象,深入剖析了中信银行授信审批中小企业的基本概况以及其中小企业贷款情况，分析了中信银行中小企业贷款特点。其次是对中小企业贷款风险管理进行分析,主要是以中信银行授信中小企业为例,基于中信银行中小企业风险评价体系,通过随机抽样的方式，对多家申请中信银行授信的中小企业进行研究,选择具有代表性的风险评估指标，对样本的中小企业贷款风险管理进行深入分析。最后,本文在分析了中信银行中小企业风险影响因素、经济周期下行的影响和贷款管理问题的基础上,提出了一些加强中信银行中小企业贷款风险管理的相关建议。本文得出如下主要结论：通过对中信银行中小企业流动比率等风险评估指标进行分析，以及对宏观经济周期下行对中小企业以及其贷款质量影响的分析，可以发现形成中信银行中小企业贷款风险的原因是多方面的，包括企业经营的原因、中信银行自身的原因、宏观经济波动的影响。针对这些中小企业风险影响因素及风险形成的原因，采取有针对性、合理、全面的措施才能有效加强中信银行中小企业风险管理。
英文摘要：	At present, China's commercial banks are still in the credit business as its main business, most of the bank's profit also benefited from this, along with the development of open economy in China, the small and medium-sized enterprise has become the object of focus on the development of commercial bank credit business. At the same time, an important part of the small and medium-sized enterprise is our country national economy. The development of commercial banks to small and medium-sized enterprise financing support is mutually beneficial. On the one hand, the small and medium-sized enterprise has long been "difficult financing, loans, settlement difficult" problems, commercial banks to increase credit support to small and medium-sized enterprises can adapt to the rapid growth and to meet the strong demand for financing, and promote the sustainable development of small and medium-sized enterprises. On the other hand, the strategic goal of the adjustment of commercial bank loan businesses, positive for small and medium-sized enterprises, is conducive to commercial banks to adjust and optimize the credit structure, to reduce the degree of concentration of credit, separate and transfer credit risk. This paper takes the commercial bank (CITIC) of SME loan risk management research, combined with the author's experience in China CITIC Bank Tianjin branch of Limited by Share Ltd for credit, with a combined method of quantitative analysis and qualitative analysis to analyze the. The main body of this paper has been divided into three parts, the first is the background of CITIC Bank small and medium-sized enterprise risk management and loan business, CITIC Bank as the research object, analyzes the basic situation of China CITIC Bank credit approval of small and medium-sized enterprises and small business loans, loans CITIC Bank analysis of the characteristics of small and medium enterprises. The second is the credit risk management of small and medium enterprises, mainly in the CITIC Bank credit risk assessment of small and medium-sized enterprises as an example, CITIC Bank System for small and medium sized enterprises based on the random sampling method, to study the number of CITIC Bank credit for SMEs, the risk assessment index to choose the representative, in-depth analysis of credit risk management of the sample of small and medium sized enterprises. Finally, based on the analysis of the management problems of the influence factors, the downward economic cycle and credit risk of small and medium-sized enterprises of China CITIC Bank, and puts forward some suggestions to strengthen the credit risk management of small and medium sized enterprises of China CITIC bank. The main conclusions of this paper are as follows: according to the CITIC Bank SME liquidity ratio and risk assessment were analyzed, and the macro economic cycle down to the small and medium-sized enterprise and analysis of its influence can be found in the quality of loans, reasons for the formation of credit risk of China CITIC Bank for small and medium-sized enterprises are in many aspects, including business, CITIC Bank's own reasons the reason, the influence of the fluctuation of macro economy. The reasons for the risk factors of these small and medium enterprises and the formation of the risk, to take targeted, rational, comprehensive measures to strengthen risk management of small and medium sized enterprises of China CITIC bank.
查看全文：	预览  下载(下载需要进行登录)