本文選題：中小企業(yè)融資 + 商業(yè)銀行信貸風(fēng)險(xiǎn)�。� 參考：《鄭州大學(xué)》2013年碩士論文

【摘要】：中小企業(yè)不僅在社會(huì)經(jīng)濟(jì)發(fā)展中扮演著重要的角色,在我國(guó)國(guó)民經(jīng)濟(jì)總體中也占據(jù)著很重要的經(jīng)濟(jì)地位。在我國(guó),扶持中小企業(yè)持續(xù)健康穩(wěn)定成長(zhǎng)的經(jīng)濟(jì)問題和管理問題尤為重要。隨著我國(guó)市場(chǎng)經(jīng)濟(jì)體制改革不斷深化,如何更好的服務(wù)中小企業(yè)產(chǎn)業(yè)升級(jí)和發(fā)展,已成為政府和金融機(jī)構(gòu)面臨的重大問題。 《中小企業(yè)促進(jìn)法》第15條就明確指出：各金融機(jī)構(gòu)應(yīng)當(dāng)對(duì)中小企業(yè)提供金融支持,努力改進(jìn)金融服務(wù),轉(zhuǎn)變服務(wù)作風(fēng),增強(qiáng)服務(wù)意識(shí),提高服務(wù)質(zhì)量。但是,由于中小企業(yè)本身普遍存在著信用程度低、資本金不足、報(bào)表真實(shí)性低、規(guī)范管理差等風(fēng)險(xiǎn)問題,商業(yè)銀行對(duì)中小企業(yè)的信貸業(yè)務(wù)都不看好,導(dǎo)致中小企業(yè)信貸融資渠道極其狹窄。2008美國(guó)“次貸危機(jī)”的爆發(fā)開始,經(jīng)濟(jì)金融危機(jī)席卷全球,我國(guó)中小企業(yè)更是受到了嚴(yán)重的打擊,融資問題成為阻礙中小企業(yè)發(fā)展的桎梏。作為中小企業(yè)主要融資渠道,商業(yè)銀行如何防范風(fēng)險(xiǎn)的同時(shí)助力中小企業(yè)也成為熱議的話題。 目前國(guó)內(nèi)外學(xué)者主要是從中小企業(yè)的外部融資環(huán)境、內(nèi)部經(jīng)營(yíng)環(huán)境等方面去對(duì)中小企業(yè)信貸風(fēng)險(xiǎn)因素進(jìn)行分析,大多數(shù)研究都停留在宏觀層面,且研究只是寬泛的描述與概括,而缺少?gòu)你y行微觀主體的角度出發(fā),分析和挖掘中小企業(yè)信貸風(fēng)險(xiǎn)產(chǎn)生的原因與控制機(jī)理,并提出有效的解決方法與途徑的研究。本文試圖以各位前人學(xué)者對(duì)中小企業(yè)信貸融資風(fēng)險(xiǎn)及其相關(guān)理的研究基礎(chǔ)之上,以商業(yè)銀行的視角出發(fā),按照商業(yè)銀行信貸業(yè)務(wù)貸前、貸中和貸后管理的流程順序,逐步對(duì)商業(yè)銀行中小企業(yè)信貸風(fēng)險(xiǎn)管理過程中的具體方法和制度、體制多方面潛在問題進(jìn)行探索和分析,在此基礎(chǔ)上提出符合我省省情的中小企業(yè)信用評(píng)級(jí)體系,反映我省中小企業(yè)信貸業(yè)務(wù)現(xiàn)狀的貸款定價(jià)方法,從而為解決中小企業(yè)信貸融資難問題尋覓有效方法。
[Abstract]:Small and medium-sized enterprises not only in the social and economic development plays an important role in China's national economy overall also occupies a very important economic status. In our country, to support small and medium enterprises sustained and healthy and stable growth of the economy and management issues is particularly important. Along with our country market economy unceasing deepening of economic system reform, how to better the small and medium-sized enterprise service industry upgrading and development, has become a major problem facing the government and financial institutions.
"SME Promotion Law > fifteenth clearly pointed out: the financial institutions shall provide financial support to small and medium-sized enterprises, make efforts to improve financial service, change the style of service, enhance service awareness, improve the quality of service. However, due to the small and medium-sized enterprise itself exists credit degree is low, lack of capital, low risk statement authenticity. Poor management norms, the commercial bank credit business for small and medium-sized enterprises are not optimistic about the outbreak of the credit financing channel of small and medium-sized enterprises is extremely narrow.2008" subprime mortgage crisis ", the economic and financial crisis swept the world, small and medium-sized enterprises in China is also suffered a serious blow, financing problems become an obstacle to the development of small and medium-sized enterprises as the shackles. The main financing channels for small and medium enterprises, commercial banks to prevent risks and help small and medium enterprises has become a hot topic.
At present, domestic and foreign scholars are mainly from the small and medium-sized enterprise external financing environment and internal business environment and other aspects to the SME credit risk factors, most studies have focused on the macro level, and the study is a broad description and generalization, and the lack of starting from the bank micro perspective, analysis and reason and control mechanism of small and medium-sized mining the enterprise credit risks, and puts forward the approaches to effective solutions. This paper attempts to above to all previous scholars of the SME credit risk and its related science research foundation, the commercial bank perspective, according to the credit business of commercial bank loans, loans and credits in the process of order management, specific methods and the system gradually to commercial banks SMEs credit risk management in the process of exploration and analysis system of many potential problems, on this basis. A credit rating system suitable for our province is put forward, which is a loan pricing method reflecting the current situation of SME credit business in our province, so as to find effective ways to solve the problem of SME credit and financing.

【學(xué)位授予單位】：鄭州大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2013
【分類號(hào)】：F832.4;F276.3

【參考文獻(xiàn)】

中國(guó)期刊全文數(shù)據(jù)庫(kù) 前5條

1 李伯圣;葛敏;;促進(jìn)我國(guó)天使資本市場(chǎng)發(fā)展的幾點(diǎn)思考[J];當(dāng)代經(jīng)濟(jì);2011年01期

2 陳蕾;;信息不對(duì)稱視角下的中小企業(yè)融資困境分析[J];投資研究;2011年10期

3 張修翔;;中小企業(yè)對(duì)經(jīng)濟(jì)發(fā)展之作用[J];中國(guó)外資;2012年06期

4 錢文彬;希羅;;中小企業(yè)銀行融資:問題與對(duì)策[J];云南財(cái)經(jīng)大學(xué)學(xué)報(bào)(社會(huì)科學(xué)版);2010年02期

5 鄭志元;;中小企業(yè)信貸風(fēng)險(xiǎn)管理新模式[J];中國(guó)內(nèi)部審計(jì);2011年01期

中國(guó)博士學(xué)位論文全文數(shù)據(jù)庫(kù) 前2條

1 王景蘭;中國(guó)金融資產(chǎn)管理公司不良資產(chǎn)重組模式研究[D];中國(guó)農(nóng)業(yè)大學(xué);2002年

2 賀向明;商業(yè)銀行信貸行為研究[D];西南財(cái)經(jīng)大學(xué);2007年

中國(guó)碩士學(xué)位論文全文數(shù)據(jù)庫(kù) 前9條

1 龔妍;我國(guó)商業(yè)銀行中小企業(yè)貸款的信用風(fēng)險(xiǎn)管理研究[D];天津財(cái)經(jīng)大學(xué);2010年

2 王霞;我國(guó)中小企業(yè)金融支持體系構(gòu)建研究[D];中國(guó)海洋大學(xué);2004年

3 陳麗華;中小企業(yè)融資困境與制度創(chuàng)新研究[D];福建農(nóng)林大學(xué);2006年

4 管玲芳;基于RAROC模型的中小企業(yè)貸款定價(jià)研究[D];大連理工大學(xué);2008年

5 趙穎;基于銀行信用評(píng)級(jí)體系的中小企業(yè)融資策略研究[D];沈陽航空工業(yè)學(xué)院;2010年

6 楊燕;我國(guó)商業(yè)銀行信貸風(fēng)險(xiǎn)內(nèi)部控制研究[D];暨南大學(xué);2010年

7 余莉娟;我國(guó)商業(yè)銀行小企業(yè)貸款定價(jià)模式的研究[D];安徽大學(xué);2010年

8 曹淼;區(qū)域性商業(yè)銀行發(fā)展與中小企業(yè)融資問題研究[D];西南財(cái)經(jīng)大學(xué);2010年

9 劉旭琰;我國(guó)商業(yè)銀行中小企業(yè)融資服務(wù)策略研究[D];吉林大學(xué);2010年

，

本文編號(hào)：1750444