商业银行防范中小企业信贷风险业务流程再造(硕士)(论文24000字)
摘 要
随着经济的不断全面发展，中小企业金融业日益发展起来。T商业银行作为山东省T市金融行业的重要组成部分，是以服务山东省T市及其他地市中小企业和三农的重要金融机构,是金融行业的主力军。作为T商业银行主要业务的信贷业务，是银行重要的利润来源，其发展的好坏直接关系到T商业银行的健康和稳定发展。目前T商业银行中小企业信贷业务有着发展缓慢、风险突出等问题，究其原因，除体制缺陷，更加重要是比较落后的经营理念以及信贷管理方式。
本文主要研究T商业银行中小企业信贷风险管理问题。论文从我国中小企业管理理论入手，剖析T商业银行的信贷风险产生的原因，从操作流程上存在的问题出发提出解决措施。在分析中小企业信贷业务存在的风险的基础上，探求导致当前信贷业务风险的内外部因素，重点研究当前T商业银行对中小企业的信贷业务流程，分析当前业务流程的优势和缺陷。并运用精益生产理论和银行业务流程再造理论，构建新的T商业银行中小企业信贷业务流程，并配以相应制度措施，以期形成较为完善的中小企业信贷风险管理制度，为加强T商业银行中小企业信贷风险管理提供有益借鉴，也对金融行业信贷风险管理提供一些启发。
关键词：T商业银行，信贷风险管理，流程再造
ABSTRACT
X With the comprehensive development of economy, small and medium-sized enterprise financial industry is becoming more and more developed. T city commercial Banks in Shandong province as an important part of the financial industry, based on service T city and other cities in Shandong province small and medium-sized enterprises and an important financial institutions for agriculture, rural areas and farmers, is the main force of the financial industry. Credit business as T one of the main business of commercial Banks, bank is the main source of profits, the stand or fall of its development is directly related to T the healthy and stable development of commercial Banks. Current T commercial Banks are faced with the risk of slow development, small and medium-sized enterprise credit business prominent problems, such as the cause of the defects in addition to the system, the more important reason lies in the backward management concept and way of credit management.
This paper mainly studies the T commercial Banks to small and medium-sized enterprise credit risk management issues. Paper in the theory of the management of small and medium-sized enterprises in our country, analyzes T the causes of the credit risk of commercial Banks, starting from the problems existing in the operation on solving measures are put forward. Based on the analysis of small and medium-sized enterprise credit business risks, focuses on the current T commercial bank for small and medium-sized enterprise credit business process, and analyze the strengths and weaknesses of the current business process. And by using the theory of lean production and bank business process reengineering theory, construct the new T commercial Banks to small and medium-sized enterprise credit business process, and with the corresponding regulation measures, so as to form relatively perfect small and medium-sized enterprise credit risk management system, to strengthen T commercial bank credit risk management of small and medium-sized enterprises to provide useful reference, also for credit risk management in financial industry to provide some inspiration.
Keywords：T commercial Banks，Credit risk control，Process reengineering
目 录
摘 要 1
ABSTRACT 2
第1章 引言 1
1.1 研究背景和意义 1
1.1.1 研究背景 1
1.1.2 研究意义 2
1.2 国内外文献综述 2
1.2.1 国外文献综述 2
1.2.2 国内文献综述 4
1.3 研究内容与思路 6
1.4 创新之处 7
第2章 商业银行中小企业信贷风险管理控制相关理论 8
2.1 中小企业的界定 8
2.2 商业银行信贷风险的含义 9
2.3 商业银行信贷风险的分类 9
第3章 T商业银行中小企业信贷业务概况 12
3.1 T商业银行的基本情况 12
3.2 T商业银行中小企业信贷业务的特点 12
3.2.1 “阳光信贷” 12
3.2.2 “绿色通道”营销模式 13
3.3 T商业银行中小企业信贷业务流程及业务流程弊端 14
3.3.1 T商业银行现行中小企业信贷业务流程 14
3.3.2 T商业银行现行中小企业信贷业务流程的弊端 15
3.4 T商业银行中小企业信贷风险的成因 16
3.4.1 T商业银行中小企业信贷风险形成的外部原因 16
3.4.2 T商业银行中小企业信贷风险形成的内部原因 17
第4章 T商业银行中小企业信贷风险控制业务流程再造 19
4.1 T商业银行中小企业信贷风险控制业务流程再造的相关理论 19
4.1.1 信贷风险管理理论 19
4.1.2 BPR业务流程再造理论 19
4.1.3 精益生产方法 20
4.2 T商业银行中小企业信贷业务流程再造的原则及目标 21
4.2.1 T商业银行中小企业信贷业务流程再造的原则 21
4.2.2 T商业银行中小企业信贷业务流程再造的目标 23
4.3 T商业银行中小企业信贷风险控制流程设计 23
4.3.1标准化操作流程 24
4.3.2 均衡化弹性服务 24
4.3.3 视觉性管理模式 24
4.3.4 信息技术的创新应用 25
4.4 T商业银行中小企业信贷业务流程再造方案 25
4.4.1 T商业银行中小企业信贷业务流程再造方案 25
第5章 完善T银行中小企业信贷风险控制流程配套机制 28
第6章 结论 31
参考文献 32 |
