本文選題：商業(yè)銀行 + 中小企業(yè)��； 參考：《天津商業(yè)大學(xué)》2013年碩士論文

【摘要】：隨著我國對外開放的縱深推進(jìn)和市場經(jīng)濟(jì)的快速發(fā)展,商業(yè)銀行那種以信貸資產(chǎn)擴(kuò)張為基本特征的傳統(tǒng)發(fā)展模式越來越不適應(yīng)當(dāng)前形勢的需要,這迫切需要商業(yè)銀行調(diào)整傳統(tǒng)的經(jīng)營模式,走出一條較低資本消耗、較高經(jīng)營效益的發(fā)展新路子。調(diào)整信貸結(jié)構(gòu),加大對中小企業(yè)授信的力度就是一個不錯的選擇。但是,中小企業(yè)授信市場的拓展,必然伴隨著較高的信貸風(fēng)險。因而,我國商業(yè)銀行通過管理機(jī)制和技術(shù)方法的引進(jìn)和創(chuàng)新,建立起一套切實有效的中小企業(yè)授信風(fēng)險管理體系以實現(xiàn)收益和風(fēng)險之間最佳的利益平衡,具有十分重要的現(xiàn)實意義。 本文從介紹商業(yè)銀行授信業(yè)務(wù)及其存在的風(fēng)險入手,闡明了商業(yè)銀行對中小企業(yè)授信的風(fēng)險管理現(xiàn)狀,深入分析了其存在的主要問題,并對商業(yè)銀行相關(guān)的主要風(fēng)險管理手段進(jìn)行了準(zhǔn)確性和穩(wěn)定性檢驗,然后在借鑒外國相關(guān)授信風(fēng)險管理經(jīng)驗的基礎(chǔ)上,提出了加強(qiáng)商業(yè)銀行中小企業(yè)授信風(fēng)險管理的主要對策,以期為促進(jìn)我國商業(yè)銀行的可持續(xù)發(fā)展提供指導(dǎo)。
[Abstract]:With the deepening of China's opening to the outside world and the rapid development of the market economy, the traditional development model of commercial banks, characterized by the expansion of credit assets, is becoming less and less suitable for the needs of the current situation. It is urgent for the commercial banks to adjust the traditional management mode and take a new way of developing with lower capital consumption and higher operating efficiency. Adjust the credit structure, increase the strength of granting credit to small and medium-sized enterprises is a good choice. However, the expansion of SME credit market must be accompanied by higher credit risk. Therefore, through the introduction and innovation of management mechanism and technical methods, Chinese commercial banks establish a set of effective credit risk management system for small and medium-sized enterprises in order to achieve the best benefit balance between profit and risk. It has very important practical significance. Starting with the introduction of commercial bank credit business and its existing risks, this paper expounds the present situation of commercial bank credit management for small and medium-sized enterprises, and deeply analyzes the main problems existing in it. The paper also examines the accuracy and stability of the main risk management methods related to commercial banks, and then puts forward the main countermeasures to strengthen the credit risk management of small and medium-sized enterprises in commercial banks on the basis of drawing lessons from the experience of foreign related credit risk management. In order to promote the sustainable development of commercial banks in China to provide guidance.
【學(xué)位授予單位】：天津商業(yè)大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2013
【分類號】：F832.4

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