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论文编号：	8238
作者编号：	2120132860
上传时间：	2016/6/4 13:41:01
中文题目：	BJ银行中小企业授信风险管理研究
英文题目：	The study of risk management of BJ Bank in credit decision for Small and medium enterprises
指导老师：	黄福广 教授
中文关键字：	中小企业；风险管理；BJ银行；授信
英文关键字：	SMEs；Risk management；BJ Bank；Credit
中文摘要：	伴随着国际金融行业的快速发展，商业银行的风险管理能力越来越凸显成为商业银行的核心竞争力。我国商业银行在相较于国际上比较先进的商业银行，在风险管理控制方面的机制仍然较为落后。自从我国加入世贸组织以后，我国银行业一直享有的保护期也就提前结束了，这就使得我国的商业银行所面临的竞争越来越残酷和激烈。另外一方面，我国商业银行和股份制银行在上市融资后，在风险控制能力方面和风险管理机制方面也都重新提出了一定的要求，因此，为了更好的面对国际金融业的冲击，我国商业银行就势必要形成自己的核心竞争力，这就促使我国商业银行在学习国外的先进的风险管理经验之后，完善自身的风险管理机制，综合地提升自身风险管理的能力。 商业银行是否可以持续经营的关键，一直都依赖于风险管理的能力，在当前环境下，特别是在这种中小企业正值得到国家积极鼓励和大力扶持的发展阶段，商业银行在针对中小企业需求而提供的不同种类的授信产品成为了解决其融资困难、缓解资金周转和支持企业发展的关键所在。由于我国中小企业在发展中显露出的风险较多，因此，中小企业的授信风险管理就成为了我国商业银行在其整体风险管理方面的最重要的环节之一。 首先，本文通过回顾商业银行风险管理方面的相关理论，并且依据全面风险管理理论的相关论点，再结合我国中小企业授信的特点和风险，借鉴相关的国内外数据和实例，对当前环境下的BJ银行的中小企业授信风险现状、现存问题和改进方案进行了整体的阐述和分析。 其次，本文通过把BJ银行的风险管理体系和中小企业授信的发展架构进行结合，找出风险隐藏的关键所在，通过风险管理理论，对BJ银行中小企业授信所显露出的风险进行有针对性的分析和改进，进而对BJ银行当前的中小企业授信风险管理模式的改进的原则和可行性进行分析，提出相应的改进方案。并且本文在改进方案的应用过程中以BJ银行实际受理的一个中小企业为案例，充分有效地说明BJ银行在改进授信产品种类少，审批机制不健全和贷后风险管理评价指标体系可靠性弱三个现存问题的实施方案，与此同时也对保障改进方案的相应保障措施进行描述。BJ银行现行的风险管理环节中，针对中小企业审批机制和贷后管理确实存在改进的必要性，改进后的BJ银行授信风险管理方式不仅能够有效的降低中小企业的融资风险，提高中小企业的融资效率，而且能够更有效地完善BJ银行自身的风险管理体系。 最后，本文对改进BJ银行中小企业授信风险管理模式提出相关的结论，包括利用创新授信产品解决授信产品种类少的限制；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；推行优化后的贷后风险管理评价指标体系。
英文摘要：	International finance rapidly developing, risk management capability has become the core competence of commercial banks. Mechanism of risk management control of commercial banks in China is still left behind compared with those advanced commercial banks worldwide. The protection period held by banks industry in China had come to an end in advance since China entered into the WTO, which results in commercial banks’ in China facing the increasingly cut -throat competition. On the other hand, new requirements related to risk control capacity and risk management mechanism were re-proposed once commercial banks and joint-stock banks in China completed IPO & fundraising. Therefore, commercial banks in China are bound to form core competence to an extent to tackle with the concussion and challenges brought by international financial industry, which requires commercial banks in China to perfect risk management mechanism and improve the capacity of risk management synthetically after obtaining experience of risk management overseas. The key to sustainably operating commercial banks always depends upon the capability of risk management. It turns out to be the essential point of dealing with fundraising difficulty, easing cash flow and supporting enterprises’ development/operation that commercial banks supply with various credit products corresponding to demands of SMEs especially in the period during which SMEs are worth government’s encouraging and supporting massively in the current context. The credit risk management of SMEs proves to be one of the most crucial steps in the commercial banks’ whole risk management system since there is relatively tremendous risk the SMEs are exposed to. First of all, the text paper integrally illustrates and analyzes the credit risk situation, existing problems and improving schemes of SMEs of BJ Bank in the current context by reviewing the relevant theory in the commercial banks’ risk management and according to the relevant argument of comprehensive risk management, meanwhile, combining the crediting features & risks of SMEs in China and learning from domestic and foreign data and cases. Next, the text figures out the essence of risk-hiding by combining the risk management system of BJ Bank and SMEs’ crediting development structure. What’s more, by analyzing risk management theory and researching the exposed risk, corresponding plans and their feasibility does the text conduct a targeted analysis and improvement towards the exposed risk of SMEs crediting in BJ Bank. It takes an accepted case of BJ Bank’s SMEs as example to apply to the improvement scheme, adequately and effectively explaining how to deal with the lack of the types of credit products, imperfect examination & approval mechanism and weak after-loan risk management evaluation index, meanwhile, describing the guarantee& improvement schemes corresponding to those schemes. It is necessary to mend the SMEs’ examination & approval mechanism and after-loan management in BJ Bank’s existing risk management section. The improved crediting risk management mechanism could not only effectively reduce SMEs’ fundraising risk and increase SMEs’ fundraising efficiency, but also better complete and strengthen the internal risk management system of BJ Bank. In the end, the text puts forward how to improve and perfect the crediting risk management model of SMEs in BJ Bank, including removing the restrictions of lack of credit products types with innovation credit products, bringing in the position of Risk Manager to lead risk management work, taking parallel operation review mode to improve the efficiency of examination & approval in the SMEs of branches and implementing optimized after-loan risk management evaluation index system.
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