建设银行S分行中小企业信贷风险管理研究

目录

目录

1绪论 (1)

1.1研究背景 (1)

1.2研究意义 (2)

1.3研究方法和思路与框架 (3)

1.3.1研究方法 (3)

1.3.2研究内容与思路 (4)

2理论综述 (7)

2.1信贷风险管理的相关理论 (7)

2.1.1信贷风险 (7)

2.1.2信贷风险管理的含义 (8)

2.1.3信贷风险管理的内容 (9)

2.1.4信贷风险管理的方法 (11)

2.2中小企业与信贷风险 (12)

2.2.1中小企业划分标准 (12)

2.2.2中小企业特点 (12)

2.2.3中小企业信贷风险特征 (14)

2.3国内外文献综述 (16)

2.3.1国外文献研究 (16)

2.3.2国内文献分析 (18)

2.4我国商业银行中小企业信贷管理状况 (20)

2.4.1商业银行中小企业信贷业务模式比较 (20)

2.4.2商业银行中小企业信贷业务组织架构比较 (22)

3建设银行S分行中小企业信贷现状及存在的问题 (25)

3.1建设银行S分行概况 (25)

3.1.1建行S分行简介 (25)

3.1.2建行S分行人员结构 (25)

3.1.3建行S分行主要经营业务 (27)

3.2建设银行S分行中小企业信贷业务状况 (28)

3.2.1建行S分行中小企业信贷业务分析 (29)

3.2.2建行S分行中小企业信贷规模 (30)

3.2.3建行S分行中小企业信贷资产质量 (30)

3.3建行S分行中小企业信贷风险管理现状 (32)

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西安理工大学会计硕士专业学位论文

VI 3.3.1建行S分行信贷部门及职责 (32)

3.3.2建行S分行中小企业信贷业务流程 (33)

3.4建行S分行中小企业信贷风险管理问题及成因 (36)

3.4.1信用风险管理存在的问题 (36)

3.4.2操作风险管理存在的问题 (36)

3.4.3外部风险管理存在的问题 (37)

3.4.4信贷风险问题成因分析 (38)

4建设银行S分行中小企业信贷风险管理改进设计 (41)

4.1建行S分行中小企业信贷风险管理改进设计原则 (41)

4.2建行S分行中小企业信用风险管理改进设计 (41)

4.2.1信用风险识别，查找风险点 (41)

4.2.2信用风险评估，确定关键风险点 (42)

4.2.3信用风险防控措施 (46)

4.3建行S分行中小企业操作风险管理设计 (52)

4.3.1操作风险识别与评估 (52)

4.3.2操作风险防控方法 (54)

4.4建行S分行中小企业外部风险管理设计 (60)

4.4.1外部风险识别与评估 (60)

4.4.2外部风险关键点分析 (60)

4.4.3外部风险转移与规避 (61)

5建设银行S分行中小企业信贷风险管理实施保障 (65)

5.1完善风险防控组织设置，强化风险管理职责 (65)

5.2加强数据库建设，提供信息技术支撑 (67)

5.3提高人员队伍质量，提升风险管理能力 (68)

6结论 (71)

参考文献 (73)

致谢 (77)

附录 (79)

CONTENTS

1Introduction (1)

1.1Research Background (1)

1.2Research Meaning (2)

1.3Research Methods and Ideas and Framework (3)

1.3.1Research Method (3)

1.3.2Research Contents and Ideas (4)

2Theoretical Review (7)

2.1Theory of Credit Risk Management (7)

2.1.1 Credit Risk (7)

2.1.2The Meaning of Credit Risk Management (8)

2.1.3Content of Credit Risk Management (9)

2.1.4Methods of Credit Risk Management (11)

2.2Small and Medium Sized Enterprises and Credit Risk (12)

2.2.1 Division Standard of Small and Medium Enterprises (12)

2.2.2Characteristics of Small and Medium-sized Enterprises (12)

2.2.3SME Credit Risk Characteristics (14)

2.3Literature Review at Home and Abroad (16)

2.3.1Foreign Literature Research (16)

2.3.2Domestic Literature Analysis (18)

2.4Credit Management of Small and Medium Sized Enterprises in China's Commercial Banks (20)

2.4.1Comparison of Credit Business Models of Small and Medium Enterprises in

Commercial Banks (20)

2.4.2Comparison of Organizational Structure of Small and Medium Enterprises Credit

Business in Commercial Banks (22)

3Current Situation and Existing Problems of SME Credit in CCB S Branch (25)

3.1General Situation of S Branch of Construction Bank (25)

3.1.1CCB S Branch Profile (25)

3.1.2Personnel Structure of CCB S Branch (25)

3.1.3CCB S Branch Mainly Engaged in Business (27)

3.2Construction Bank S Branch SME Credit Business Status (28)

3.2.1SME Credit Business Analysis of CCB S Branch (29)

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西安理工大学会计硕士专业学位论文

VIII 3.2.2CCB S Branch SME Credit Scale (30)

3.2.3CCB S Branch SME Credit Asset Quality (30)

3.3Current Situation of Credit Risk Management of SMEs in CCB S Branch (32)

3.3.1CCB S Branch Credit Department And Responsibilities (32)

3.3.2SME Credit Business Process of CCB S Branch (33)

3.4Problems and Causes of Credit Risk Management of Small and Medium Enterprises in CCB S Branch (36)

3.4.1Problems in Credit Risk Management (36)

3.4.2Operational Risk Management Problems (36)

3.4.3Problems Existing in External Risk Management (37)

3.4.4Analysis of the Causes of Credit Risk (38)

4Improvement Design of Credit Risk Management of Small and Medium Enterprises of S Branch of Construction Bank (41)

4.1CCB S Branch SME Credit Risk Management Improvement Design Principles (41)

4.2CCB S Branch SME Credit Risk Management Improvement Design (41)

4.2.1Credit Risk Identification, Find the Risk Point (41)

4.2.2Credit Risk Assessment to Identify Key Risk Points (42)

4.2.3Credit Risk Prevention and Control Measures (46)

4.3Design of Operational Risk Management for Small and Medium Enterprises of S Branch of China Construction Bank (52)

4.3.1Operational Risk Identification and Evaluation (52)

4.3.2Operational Risk Prevention and Control Method (54)

4.4Design of External Risk Management for Small and Medium Enterprises of S Branch (60)

4.4.1External Risk Identification and Evaluation (60)

4.4.2Analysis of Key Points of External Risk (60)

4.4.3External Risk Transfer and Avoidance (61)

5Construction Bank S Branch SME Credit Risk Management Implementation Guarantee 65 5.1Improve Risk Prevention and Control Organization Settings, Strengthen Risk Management Responsibilities (65)

5.2Strengthen Database Construction and Provide Information Technology Support (67)

5.3Improve the Quality of Personnel and Enhance Risk Management Ability (68)

6Conclusion (71)

Reference (73)

Thank (77)

Appendix (79)

图表索引

图表索引

图1-1论文框架结构图 (5)

图2-1关于风险管理程序 (9)

图2-2风险树法图 (10)

图2-3 ISDA操作风险管理流程 (17)

图3-1建设银行S分行组织架构图 (26)

图3-2 S分行主要经营业务 (28)

图3-3 2015年建行S分行中小企业信贷业务行业分布图 (29)

图3-4建行S分行中小企业客户数与信贷余额 (30)

图4-1风险评价矩阵图 (53)

图4-2信贷业务贷前管理流程优化 (56)

图4-3放款审查流程图 (57)

图4-4复核对账控制 (58)

图4-5贷中审查流程 (58)

图4-6贷后管理抵押品控制流程 (59)

图5-1中小企业经营中心组织架构图 (65)

表2-1 大中小型企业划分标准表 (13)

表2-2 商业银行中小企业经营组织架构模式 (22)

表3-1 建行S分行对公信贷部门员工分析表 (26)

表3-2 建行S分行信贷资产质量划分标准 (31)

表3-3 建行S分行中小企业信贷资产质量分析 (32)

表4-1 风险点及风险表现 (42)

表4-2 判断矩阵 (43)

表4-3 判断矩阵标度含义 (44)

表4-4 平均随机一致性指标RI值 (44)

表4-5 一级指标的判断矩阵 (45)

表4-6 信用风险评价结果 (46)

表4-7 中小企业信用等级分类 (47)

表4-8 客户风险评估表 (49)

表4-9 风险调查表 (53)

表4-10 操作风险点及风险表现 (52)

表4-11 贷款准备金提取标准 (59)

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西安理工大学会计硕士专业学位论文

表4-12 贷后管理检查频率分类 (59)

表4-13 外部风险点及风险表现 (60)

表4-14 建行S分行中小企业授信资产组合限额简表 (63)

表4-15 建行S分行合作贷款模式 (64)

表5-1 工作职能表 (66)

表5-2 中小企业经营中心岗位设置及人员配备表 (67)

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