yz銀行小貸業(yè)務(wù)風險管理改進研究

1、Research on Improving Risk Management ofSmall Loan Business of YZ BankA Thesis Submitted to Chongqing Universityin Partial Fulfillment of the Requirement forProfessional DegreeByBai LuXianSupervised by A. Prof. YanSpecia

2、lty：Master of FinanceCollege of Economics and Business Administration ofChongqing University, Chongqing, ChinaMay 2016重慶大學(xué)碩士學(xué)位論文 英文摘要IIABSTRACTIn recent years, the small and micro enterprises in Chongqing City develop ra

3、pidly,and make a great contribution to the national economy。 But ， it is still difficult for smallmicro-enterprises to finance. At the same time, the competition of the banking industry isbecoming more and more intense,

4、and many banks are pouring into the small-loan market.Hence the risk management is becoming important. In this paper, the study of YZ bankloan business and analysis of the risk of YZ bank will be present. On the one hand

5、, theresearching will make the bank provide better services for small and micro enterprise; onthe other hand, it also is good for the bank to control risk .The credit risk is the prevalent risk type, and asymmetric infor

6、mation between banksand enterprises is the root of credit risk .YZ bank is a commercial bank whose mainbusiness is small loans, hence, YZ bank adopts manager system to solve the problem ofasymmetric information. But, YZ

7、bank is at great risk .On the one hand ,it is difficulty forYZ bank to get complete and veracious information that the enterprises have nornormative financial information ,lack fixed assets less. On the other hand ,manag

8、ersystem are many defects in practice. Based on the material from YZ bank and theenterprise ,the analysis of YZ bank loan business and risk management system will bepresent in this paper ,and it will illustrate that mana

9、gement system exists some problems.And then, it will combine with the specific loan cases to analysis further, Finally,measures will be proposed based on the other domestic banks experience.In order to control risk bette

10、r, YZ bank must improve the operation system whichtakes manager system as the core, and meanwhile adjust its own business developmentmodel and direction. Specifically, YZ bank must train the managers， set up the assistan

11、tsystem of the risk management, distract the risk of the industry, build the cooperation withother institutions, improve the quality of the information collection, and improve thequality of investigation and management i