民生银行小微贷款风险管理-研究

民生银行小微贷款风险管理-研究

ID:34163456

大小:3.47 MB

页数:50页

时间:2019-03-03

民生银行小微贷款风险管理-研究_第1页
民生银行小微贷款风险管理-研究_第2页
民生银行小微贷款风险管理-研究_第3页
民生银行小微贷款风险管理-研究_第4页
民生银行小微贷款风险管理-研究_第5页
资源描述:

《民生银行小微贷款风险管理-研究》由会员上传分享,免费在线阅读,更多相关内容在教育资源-天天文库

1、万方数据ABSTRACTUnderthe“comprehensivedeepeningreform”and”financialdisintermediation”erabackground,smallandmicrobusinessloanspotentialtobecomestrategictransformationofChina’Scommercial.Withthegradualexpansionofsmallandmicrobusinessloans,commercialbanksactivelyexplorenewprofitpoint,thedomesticsmalla

2、ndmicroenterprisesfinancingdifficulties,”theproblemcanbealleviated,thegovernment’Ssupportivepoliciestobesuccessful,toachievethesituationofthebank,corporateandgovernment”Totalwintemporary.However,smallandmicroenterprisesownshortcomings,unstablemarketenvironment,thebankre—lendingthelightpipe,prod

3、ucthomogeneityserious,suchasfactorshinderingthehealthydevelopmentofsmallandmicrobusinessloans,smallandmicroloans”quality”asthe”quantity”decreasedwiththeincrease,risingcreditriskisalreadyahugethreattobanksaffectthesurvivalanddevelopment.Howtobuildandoptimizesmallmicroloanriskmanagementhasbecomea

4、focusofattentionofmajorcommercialbanks,butalsothecentralissueofthispaper.Theinnovationofthispaperistoenlightenboththeoryandpractice-oriented.Intheory,thispaperasthebackgroundstrategictransformationofthecommercialbanks,basedonpreviousstudiesandinformationasymmetry,thethreecornerstonesofthetheory

5、ofcreditrationing,businesslifecycle,fromchildhoodtodefinethecharacteristicsofmicro—enterprisesandsmallandmicro—loans,andexplorethesmallandmicrotheformationoftheintensionofloanrisk,analyzethepurposeandthecontentofsmalllayersofmicrocreditriskmanagement.Inpractice,thispaperanalyzestheliteratureand

6、caselaw,toChinaMinshengBank’S“BusinessLoan”engagedintheresearchsample,descriptionChinaMinshengBank(CMBC)ofsmallandmicrobusinessesandsmallandmicroloansloanriskmanagementproblems,andfromtheriskmanagementpointofviewofitscauses.InthispaperattemptstofindabreakthroughfromtheChinaMinshengBankitself,ra

7、isedawarenessoftherisk—basedriskmanagementmechanismtoreshape,setupthe“threshold”properly,improvethecreditratingofsmallandmicro—enterpriseloanpricingmechanismtobuilddynamicriskearly万方数据warningandpreventionsystemmeasuresfortherealiz

当前文档最多预览五页,下载文档查看全文

此文档下载收益归作者所有

当前文档最多预览五页,下载文档查看全文
温馨提示:
1. 部分包含数学公式或PPT动画的文件,查看预览时可能会显示错乱或异常,文件下载后无此问题,请放心下载。
2. 本文档由用户上传,版权归属用户,天天文库负责整理代发布。如果您对本文档版权有争议请及时联系客服。
3. 下载前请仔细阅读文档内容,确认文档内容符合您的需求后进行下载,若出现内容与标题不符可向本站投诉处理。
4. 下载文档时可能由于网络波动等原因无法下载或下载错误,付费完成后未能成功下载的用户请联系客服处理。