民生银行“商贷通”业务的金融风险分析

发布时间：2018-01-20 16:02

本文关键词： 小微企业商贷通具体风险对策和建议　出处：《电子科技大学》2012年硕士论文　论文类型：学位论文

【摘要】：无论是在发达国家还是发展中国家，中小企业对经济的发展都起到了不可忽视的作用。在我国，中小企业不仅提供了新的就业岗位，还为创业的企业家创造了重要发展的平台，甚至还为科技创新提供强大的力量支撑。在目前的经济形势下，要想保持经济平稳快速的发展，并加快经济发展方式的转变都是和小微企业的健康发展息息相关的。但是，在较快的经济增长过程中，由于中小企业自身发展的特征及局限性，例如偿债能力弱、融资规模较小、财务规范性差、公司治理机制不够完善等问题，使得中小企业在面临风险的情况下，应对能力比较弱。因此，大型金融机构一般缺乏相关的金融服务方案，再加上其他方面的原因，小微企业面临着融资难、融资贵等问题。所以资金问题就是中小企业尤其是小微企业发展中的瓶颈问题，如果这个问题解决了，中小企业就能顺利地获得资金并能够提高资金的使用效率，从个体上来说能提高了中小企业运作的整体效率，从总体上来说，能够在全社会范围内进一步优化资源配置。然而，中小企业要想获得资金支持，通过发行股票和债券这个方式是行不通的，只能转向银行寻求贷款。民生银行抓住这个机遇，向这一传统难题进军，设计出一套全新的商业模式来降低成本、控制风险，，这就是“商贷通”模式。本文针对这一模式的形成和发展，采用文献研究和案例分析相结合的方法进行了分析研究。以具体真实的案例背景为基础，实证分析了民生银行“商贷通”业务存在的具体风险及其应对措施，并针对这些风险，提出了一些完善风险应对措施和加强防范这些风险的对策和建议。
[Abstract]:Both in developed and developing countries, small and medium-sized enterprises have played an important role in economic development. In China, SMEs not only provide new jobs. It also creates an important development platform for entrepreneurs, and even provides powerful support for scientific and technological innovation. In the current economic situation, we want to maintain stable and rapid economic development. And accelerate the transformation of economic development is closely related to the healthy development of small and micro enterprises. However, in the process of rapid economic growth, due to the characteristics and limitations of the development of small and medium-sized enterprises themselves. Such as weak solvency, small scale of financing, poor financial norms, inadequate corporate governance mechanism and other issues, making SMEs in the face of risk, the ability to deal with relatively weak. Large financial institutions generally lack relevant financial services programmes, and for other reasons, small and micro enterprises face difficulties in financing. So the problem of financing is the bottleneck in the development of small and medium-sized enterprises, especially small and micro enterprises, if this problem is solved. Small and medium-sized enterprises can obtain funds smoothly and improve the efficiency of the use of funds, from the individual can improve the overall efficiency of the operation of small and medium-sized enterprises, in general. Can further optimize the allocation of resources in the whole society. However, if small and medium-sized enterprises want to obtain financial support, it is impossible to issue stocks and bonds, and can only turn to banks to seek loans. Minsheng Bank seize this opportunity to enter into this traditional problem. To design a new business model to reduce costs and control risks, this is the "commercial lending" model. This paper aims at the formation and development of this model. Based on the real case background, the paper empirically analyzes the specific risks and countermeasures of Minsheng Bank's "commercial and loan-to-loan" business. Aiming at these risks, this paper puts forward some countermeasures and suggestions to improve the risk response and strengthen the prevention of these risks.
【学位授予单位】：电子科技大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F832.2

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