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论文编号：	9815
作者编号：	2120152629
上传时间：	2017/12/12 13:56:32
中文题目：	BH银行中小企业信贷风险管理研究
英文题目：	The Research on the Risk Management middle and small-sized enterprises of BH Bank
指导老师：	李莉
中文关键字：	风险管理；中小企业；商业银行信贷；BH银行
英文关键字：	risk management;middle and small-sized enterprises;Commercial bank credit;BH Bank
中文摘要：	信贷风险是商业银行必须要面对的，对这方面的管理一直都是银行经营中最关心的重点。改革开放以来银行业在快速发展的同时也面临着诸多风险，风险控制伴随着商业银行的发展而发展，但是信贷风险管理依然没有建立十分稳健的管理体系。 本篇论文选取了BH银行作为研究对象，以该银行在中小企业领域现有已投放的存量信贷业务案例为调研样本，总结出来商业银行在现阶段中小企业的信贷业务操作中普遍存在缺乏专门的信用评级系统、风险定价缺失、贷后管理不完善、授权机制不科学、绩效考核不明晰、流程保障有缺位等问题。 针对上述问题，本文以BH银行在中小企业信贷风险管理方面的实践作为范例，提出从加强中小企业的授信业务准入管理和严格做好对授信中小企业的风险管理等方面入手，在既有的风险管理框架及方法的基础上，引入添加了“三品三表”考量因子的信用评级工具，对中小企业的授信业务风险管理进行了一定程度上的优化，使得商业银行通过优化后的体系能够在处理中小企业申请的信贷业务时能够更快、更便捷的办理业务并且减小风险，同时，该优化后的评级工具具备一定的普适特征，可在商业银行同业之内广泛应用。
英文摘要：	Credit risk is what commercial Banks must face, and management of this aspect has always been the most important focus of bank management. Since the reform and opening up of banking industry in the rapid development and at the same time also faces many risks, risk control with the development of commercial Banks and development, but the credit risk management is still not very sound management system. As the research object, this paper selected the BH bank to the bank in the field of small and medium-sized enterprises in the inventory of existing on the credit business case as research samples, summed up the commercial Banks at present small and medium-sized enterprise credit business operations in the widespread lack of special credit rating system imperfect, lack of risk pricing and post-loan management, unclear authorization mechanism is not scientific, performance appraisal, process has the problems such as lack of. According to the above problem, this article to BH bank credit risk management in small and medium-sized enterprises as examples, the practice of some small and medium-sized enterprises from better access to credit business management and strict ready for credit risk management of small and medium-sized enterprises, the existing risk management framework and methods on the basis of introducing added "three tables with the doctrine of" consideration factor of credit rating tool, for small and medium-sized enterprise credit business risk management to a certain degree of optimization, makes the commercial bank through the optimized system can be in the treatment of the small and medium-sized enterprises to apply for credit business faster and more convenient to handle business and reduce the risk, at the same time, the optimized rating tools have a certain universal characteristics, can be widely used within commercial Banks trade.
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