联系我们

论文查询结果	返回搜索

论文编号：	7884
作者编号：	2120132885
上传时间：	2015/12/8 12:16:03
中文题目：	PF银行中小企业授信产品风险管理研究
英文题目：	SMEs credit product risk management of PF Bank
指导老师：	李莉
中文关键字：	中小企业；风险管理；PF银行
英文关键字：	SMEsSMEs ; Risk Risk management managementmanagementmanagement ; PF BankBankBank
中文摘要：	商业银行风险管理是银行业能否持续经营的咽喉，尤其是当前国家正在积极鼓励和扶持中小企业的发展阶段，因此，目前商业银行针对中小企业发展的各类授信产品成为了支持中小企业发展、解决融资难题和加快资金周转的关键。由于中小企业的发展特征所暴露的风险较多，中小企业的授信产品风险管理已成为商业银行风险管理的重要环节。本文通过对商业银行风险管理理论的回顾，引用全面风险管理理论的相关论点，结合各类中小企业授信产品的特点和风险，并借鉴相关的国内外数据和实例，对PF银行目前的中小企业授信产品风险现状、现存问题和改进方案进行了系统的阐述与分析。文中将PF银行风险管理体系与中小企业授信产品的发展架构相结合，发现隐藏风险的着眼点和着力点，进而代入到风险管理理论中去，有针对性地对PF银行中小企业授信产品的风险进行量化和改进，分析PF银行中小企业授信产品风险管理模式改进原则和可行性，并提出了具体的改进方案。在改进方案的实施过程中以实际受理的一个中小企业为例，充分说明了PF银行在改进授信产品额度过度收紧，审批机制不健全和贷后管理手段单一这三个现存问题的实施方案，并提出了相应的保障措施。中小企业审批机制和贷后管理在现行的PF银行风险管理流程中的确存在改进的必要性，PF银行授信产品风险管理方式灵活解决了中小企业的融资需求，同时更加完善了自身的风险管理体系。最后，本文得出了改进PF银行中小企业授信产品风险管理模式的相关结论，包括利用授信产品组合方式解决单一产品额度的限制；引入风险经理岗位将风险管理工作前置；采取平行作业审查模式提高分行中小企业的审批效率；推行风险管理飞行检查提高贷后管理工作质量。
英文摘要：	Commercial bank risk management makes the key role of the sustainability of the banking operations, especially when the country is now in the phase of encouraging and supporting the development of the small to medium-sized enterprises (SMEs).Therefore, the various types of credit products which are targeting at the SMEs become the crucial part of supporting the development, solving the financing problems and accelerating the cash flows. As the exposed risks are increasing， the management of the SMEs’credit products is becoming more and more critical in the whole risk management system. Based on the review of the commercial bank risk management theory, the author will quote related arguments about comprehensive risk management theory, combined with various types of credit products and learn from the domestic and foreign related data and examples, in order to systematically describe and analyze the current status of credit products of SMEs of PF Bank and provide improvement scheme as well.This dissertation will combine the PF Bank risk management system and SMEs’ credit products’ development infrastructure to discover the hidden focus inside the risk system and put them into the risk management theory. Thanks to that, the PF bank can quantify and improve the risks of credit products, analyze the improvement principle and feasibility of the management modes and propose specific improvement programs at last. The dissertation takes one SMEs as example to fully illustrate the embodiments based on improving the excessive tightening of credit facility, the unhealthy approval mechanism and the narrow management means of post-loan. Based on those, the author will give corresponding safeguards. The author thinks that the current approval mechanism and post-loan management in the PF Bank of the SMEs need improvement indeed and flexible credit risk management system will solve the financing needs of the SMEs and perfected the PF Bank risk management system itself. At last， this dissertation will come to the conclusion of how to improve the risk management on SMEs’ credit products, including using credit portfolio products instead of single product mode; introducing risk manager positions to front the risk management; taking parallel operation mode to improve processing efficiency and implementing risk management flight inspection work to improve the quality of post-loan management.
查看全文：	预览  下载(下载需要进行登录)