民生银行小微企业信贷风险控制研究.pdfVIP

摘 要 我国目前99%以上的企业属于小企业或是微型企业，小微企业的发展在国民 经济中是重中之重，商业银行应当尽力对小微企业提供融资服务，帮助国家扶持 小微企业的发展。民生银行作为民营企业的银行，始终把服务大众放在首位，多 年以来都是以小微企业金融服务作为重点业务来做。然而对于银行来说，最重要 的原则是安全性，那么风险管理问题便成为商业银行信贷业务的核心问题。民生 银行的小微金融增速发展，2013年小微贷款不良贷款率仅为0.39%。那么，研究 民生银行在小微企业贷款方面的成功案例，分析民生银行风险防范机制，对于整 个商业银行信贷服务的改善与整合方面都具有重要意义。 本文在理论方面主要研究了小微企业贷款的风险特征以及一般商业银行对 于信贷风险控制的基本流程和方法；阐述了民生银行小微贷款的发展概况，并具 体分析了民生银行小微贷款的风险控制机制，主要是从风险控制制度与控制流程 两个方面来加以研究，分析民生银行具有特色的独立审批制度-区域审批中心的 运行机制带来的好处；并且讨论具体贷款案例，展示民生银行小微企业贷款的风 险管控流程，得出结论，即良好的风险管理与控制离不开科学的管理体系，完善 的内部控制以及良好的信用环境。 关键词：小微企业贷款，信贷风险管理，民生银行 I Abstract Currently more than 99% of Chinese enterprises are small business and micro-enterprises.In the national economy, the development of small and micro enterprisesisthetoppriority.Commercialbanksshouldendeavortoprovidefinancing servicestosmallandmicroenterprises,tosupportthedevelopmentofsmallandmicro enterprises.As a private banking business, Minsheng Bank always put the public interesttothefirst,andofferthe financialservicesto smallandmicroenterprisesisa key business to do allthe years.However, forbanks, the most importantprinciple is safety,then the risk management has become a core business of commercial bank.Small and micro finance growth fast,NPL ratio of Minsheng small and micro loans was only 0.39% in 2013.So,research Minsheng Bank success stories,analysis riskpreventionmechanismisverymeaningful. This paper studies the risk characteristics of the loans to small and micro enterprises and the basic processes andmethods of commercial banks on credit risk control;describes the development of small and micro loans of Minsheng Bank,and detailed analysis the risk control mechanism,mainly from the two aspects of risk control system and control flow.Then discuss specific cases of loans,sho his risk management and controlprocesses.As concluded,good risk management and