哈尔滨银行小企业贷款风险管控策略研究

发布时间：2018-01-07 01:35

本文关键词：哈尔滨银行小企业贷款风险管控策略研究　出处：《哈尔滨工业大学》2014年硕士论文　论文类型：学位论文

【摘要】：小企业在我国经济发展中的作用和地位越来越重要，它们有力的促进了我国的经济增长与发展创新。然而一直以来，各金融机构的服务对象首选均为大中型企业。虽然近年来各商业银行在外部竞争压力和内部利润驱使之下，纷纷加大对小企业业务的介入力度，并将其视为利润转型的契机。然而居高不下的小企业贷款风险问题制约了这部分业务的发展，因此如何全面有效的控制风险也越来越受到各界的重视，如何对小企业信贷业务风险进行科学、高效的管控成为各商业银行进一步深入发展小企业信贷业务的必然面临的问题。针对这些问题，哈尔滨银行目前实施的小企业贷款风险管控策略无论从理论定位还是具体实施阶段的做法都具有一定的参考意义。该行立足本土，辐射全国的经营策略及“从小做起，实现做大做强”的业务模式，不仅对于目前经济环境下如何更好的服务小微企业，如何更大力度的支持这部分国民经济的重要组成成员做出了突出贡献，同时对于金融机构如何在传统大中客户的争夺战中脱身而出，用高利润覆盖高风险，以及如何把控住这些风险，确保自身资金的安全具有积极有效的意义。本文在介绍相关国内外相关背景因素的基础上，主要从哈尔滨银行小企业贷款业务模式出发，，针对该地区业务发展过程中逐步解决的及尚未解决的问题的分析，介绍了哈尔滨银行小企业贷款领域的经营情况，并归纳总结了目前业务的优势和不足，主要分析了如何制定和实施适应小企业特点的市场营销策略，如何建立健全完善的产品体系，如何运用灵活的贷前调查技术、如何运用高效的审查审批机制，以及如何建立合理的审批权限并优化审批流程，如何发挥贷后跟踪监督力度，如何统筹人员团队建设等。
[Abstract]:Small enterprises play more and more important role in the economic development of our country. They can promote the economic growth and development of our country. However, it has been all along. In recent years, commercial banks, driven by external competition and internal profits, have increased their involvement in small business. However, the problem of high loan risk of small enterprises restricts the development of this part of the business, so how to effectively control the risk has been paid more and more attention by all walks of life. How to carry on the science to the small enterprise credit business risk, the efficient control becomes each commercial bank to further develop the small enterprise credit business the inevitable question. Harbin Bank's current implementation of small enterprise loan risk control strategy, whether from the theoretical positioning or the specific implementation stage of the practice has a certain reference significance, the bank is based on the local. Radiation of the national business strategy and "from small start, achieve bigger and stronger" business model, not only for the current economic environment how to better serve small and micro enterprises. How to support the important members of this part of the national economy has made outstanding contributions, at the same time for the financial institutions in the traditional battle for large and medium customers out of the battle, with high profits cover high risk. And how to control these risks to ensure the safety of their own funds has a positive and effective significance. On the basis of introducing the relevant background factors at home and abroad, this paper mainly starts from the loan business model of Harbin Bank. Based on the analysis of the problems that have been gradually solved and unsolved in the process of business development in this area, this paper introduces the operation situation of Harbin Bank in the field of small enterprise loans, and summarizes the advantages and disadvantages of the present business. This paper mainly analyzes how to formulate and implement marketing strategies adapted to the characteristics of small enterprises, how to establish a sound product system, how to use flexible pre-loan investigation technology, and how to use an efficient examination and approval mechanism. And how to establish a reasonable approval authority and optimize the approval process, how to give full play to the post-loan tracking and supervision, how to co-ordinate the construction of the personnel team, etc.
【学位授予单位】：哈尔滨工业大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F276.3;F832.4

【参考文献】