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Jingdong book

商业银行小微企业批量授信管理:产品、流程、案例、风控

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Jingdong book

商业银行小微企业批量授信管理:产品、流程、案例、风控

Name: 商业银行小微企业批量授信管理:产品、流程、案例、风控
Brand: Jingdong book
SKU: 3111002651
Price: 31.18 USD
Availability: OutOfStock

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Content Description

《商业银行小微企业批量授信管理:产品、流程、案例、风控》主要研究了在营销过程中，商业银行针可以运用数据挖掘的技术实现对小微企业精准营销，在授信决策阶段，可以运用数据挖掘技术（当然可以运用一般的信用分析来确定）确定授信后监控的重要指标或者监控内容，批量授信风险控制的在于针对不同类型的小微企业按照显性或隐性的特征进行聚类与细分。在审查环节和审批阶段，可以借助数据挖掘技术和IT技术进行三个方面的决策等。

Catalogue

1 绪论
1.1 问题提出与研究意义
1.1.1 问题提出
1.1.2 研究意义
1.2 国内外商业银行小微金融的实践情况
1.2.1 国外商业银行小微企业授信业务发展情况——以富国银行为例
1.2.2 国有大型股份制商业银行小微企业授信业务发展情况——以中国银行为例
1.2.3 股份制商业银行小微企业授信业务的发展情况
1.2.4 城商行小微企业授信业务发展情况
1.2.5 阿里金融小微企业授信业务发展情况
1.2.6 小微企业授信业务的趋势性特征
1.3 文献综述
1.3.1 小微企业批量授信模式的研究
1.3.2 关于小微企业融资风险控制
1.3.3 数据挖掘用于信用风险评价的研究
1.3.4 大数据与商业银行管理方面的研究
1.3.5 关于小微企业授信后风险预警的研究
1.4 研究内容与研究方法
1.4.1 研究内容
1.4.2 研究方法
1.4.3 本书创新与拟解决的关键问题

2 小微企业批量授信风险管理架构设计
2.1 小微企业授信整体管理架构
2.1.1 小微企业批量授信发展战略
2.1.2 小微企业批量授信的模式
2.1.3 适合小微企业批量授信的产品体系
2.1.4 与小微企业批量授信相一致的客户管理
2.1.5 与小微企业批量授信相一致的营销管理
2.1.6 与小微企业批量授信相一致的组织架构和岗位体系
2.2 小微企业授信批量操作风险管理架构
2.2.1 树立与小微企业批量授信特点相一致的风险管理理念
2.2.2 做好小微企业细分及市场定位
2.2.3 小微企业批量授信风险控制的制度与流程
2.2.4 齐全的风险计量工具、管理工具与信贷技术
2.2.5 对新产品、新业务、新模式的风险进行精细化管理
2.2.6 IT系统的应用
2.3 小微企业批量授信风险管理系统的设计思路

3 小微企业市场细分与批量授信方案设计
3.1 数据挖掘与小微企业市场细分
3.2 小微企业需求分析
3.3 小微企业批量授信方案设计的总体要求
3.4 小微企业批量授信方案设计的基本内容
3.5 几种典型的小微企业批量授信方案的设计
……

4 基于数据挖掘的小微企业批量授信决策支持模型
5 大数据模式下小微企业批量授信风险评价
6 小微企业批量操作实施过程中的风险管理
7 基于小微企业批量操作的授信后管理
8 与小微企业授信批量操作相适应的后台风险控制机制
参考文献
博士后期间发表的论文
后记一：研究总结与展望
后记二：感谢与感悟

Book Abstract

《商业银行小微企业批量授信管理：产品、流程、案例、风控》：
第三，建立独特的小企业信贷风险控制技术。创新推出了小企业信贷业务“六维贷后管理法”：从细分管理对象、联动交叉检查、实时风险预警、贷后管理监督、实施递进清收、多元手段处置六个维度进行全方位、多角度的贷款管理，包括贷款检查、风险预警、逾期贷款清收、检查与清收记录、档案管理等内容。总结提炼出“10+2审贷法”：“10”即在授信审批过程中要把握的十个关键点，包括申请人的基本情况分析、信用记录分析、行业分析、生产与经营情况分析、财务与非财务因素分析、融资情况分析、借款用途分析、担保分析、风险防范措施分析、融资方案分析；“2”即外部合法、内部合规。
第四，建立独特的小额信贷IT技术。哈尔滨银行特别重视通过IT系统提升业务办理效率。该行借助国际小额信贷先进技术，研发了具有自主知识产权的小企业信用评级系统、微小企业贷款管理系统、数字化房产评估系统，拥有了中国版权保护中心颁发的多项软件著作权证书，这些系统已成为促进小额信贷战略实施的重要力量。
1.2.4.3泰隆银行小微企业授信业务发展情况
与包商银行不同，泰隆银行在自身小微企业授信实践中总结出一套行之有效的小微企业风控做法，取得了较好的风险管理成绩，受到了银监会的表彰。其主要内容：一是非常注重非财务信息的应用。泰隆银行总结出“三表”“三品”的考察，即主要考察水表、电表、工资表，产品、押品、人品等。在此基础上，其他商业银行也总结出了人流、车流、现金流等考察因素。总之，通过考察非财务信息甄别客户在实践中取得了很好的效果。二是注重培育小微企业的信用文化，利用重复博弈原理设计机制，鼓励小微企业诚实守信。
……

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