本文選題：廣東工行 + 小企業(yè)信貸��； 參考：《湖南大學》2013年碩士論文

【摘要】：金融危機以來,各級政府紛紛加大對小企業(yè)金融支持力度,以解決小企業(yè)融資難的問題。但是,由于小企業(yè)貸款具有高風險的特點,各商業(yè)銀行在大力發(fā)展小企業(yè)信貸的同時又要積極防范小企業(yè)信貸風險。本文對中國工商銀行廣東省分行(簡稱：廣東工行,下同)的小企業(yè)信貸風險管理進行探討,有利于提升小企業(yè)信貸風險管理的科學性和可行性,實現(xiàn)廣東工行小企業(yè)信貸業(yè)務的健康持續(xù)發(fā)展。 本文首先在借鑒國內(nèi)外有關(guān)小企業(yè)信貸風險管理研究成果的基礎(chǔ)上,從廣東工行概況入手,通過分析近幾年廣東工行小企業(yè)貸款的各項數(shù)據(jù),揭示了廣東工行在小企業(yè)信貸風險管理中存在的實際問題,并剖析了問題形成的外部和內(nèi)部原因。然后,結(jié)合管理實際提出了廣東工行小企業(yè)信貸風險管理體系的設(shè)計目標和思路,在此基礎(chǔ)上為廣東工行構(gòu)建了一套較完善的小企業(yè)信貸風險管理體系,包括小企業(yè)信用評級體系、小企業(yè)授信管理體系、小企業(yè)抵(質(zhì))押物評估管理體系和小企業(yè)信貸風險監(jiān)測體系。最后,為了保障廣東工行小企業(yè)信貸風險管理體系的實施,從組織架構(gòu)、人力資源管理、信貸風險管理文化和融資產(chǎn)品創(chuàng)新這四個方面提出了相應的配套保障措施。 本文的研究將為廣東工行解決小企業(yè)信貸風險管理中現(xiàn)存的問題和構(gòu)建符合自身特點的風險管理機制做出一定的貢獻,促使廣東工行在保持小企業(yè)信貸總量增長的同時,有效防范信貸風險,保持資產(chǎn)經(jīng)營安全性和盈利性。同時,為其他商業(yè)銀行的小企業(yè)信貸風險管理提供借鑒。
[Abstract]:Since the financial crisis, governments at all levels have increased their financial support to small businesses to solve the problem of financing difficulties. However, because of the high risk of small business loans, commercial banks should actively guard against small enterprise credit risk while vigorously developing small enterprise credit. This paper discusses the credit risk management of small enterprises in the Guangdong Branch of Industrial and Commercial Bank of China (ICBC), which is helpful to improve the scientific and feasibility of credit risk management in small enterprises. To achieve the Guangdong Industrial and Commercial Bank of China small enterprise credit business healthy and sustainable development. Based on the research results of credit risk management of small enterprises at home and abroad, this paper begins with the general situation of Guangdong Industrial and Commercial Bank of China, and analyzes the various data of loans to small enterprises of Guangdong Industrial and Commercial Bank of China in recent years. This paper reveals the practical problems existing in the credit risk management of small enterprises, and analyzes the external and internal reasons for the formation of the problems. Then, combined with the management practice, the paper puts forward the design objectives and ideas of the credit risk management system for the small enterprises of Guangdong Industrial and Commercial Bank of China (ICBC), and builds a set of perfect credit risk management system for the Guangdong Industrial and Commercial Bank of China (ICBC) on this basis. It includes small enterprise credit rating system, small enterprise credit management system, small enterprise credit assessment management system and small enterprise credit risk monitoring system. Finally, in order to ensure the implementation of the credit risk management system of the small enterprises of the Guangdong Industrial and Commercial Bank of China, the corresponding supporting measures are put forward from the following four aspects: organizational structure, human resource management, credit risk management culture and innovation of financing products. The research in this paper will contribute to solve the existing problems in the credit risk management of small enterprises and build a risk management mechanism that conforms to its own characteristics, which will promote ICBC to maintain the total amount of credit in small enterprises at the same time. Effectively guard against credit risk and keep assets safe and profitable. At the same time, for other commercial banks to provide reference for small enterprise credit risk management.
【學位授予單位】：湖南大學
【學位級別】：碩士
【學位授予年份】：2013
【分類號】：F276.3;F832.33

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