發(fā)布時(shí)間：2018-07-04 22:24

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

【摘要】：當(dāng)前,中小企業(yè)的迅猛發(fā)展已成為我國經(jīng)濟(jì)發(fā)展中不可或缺的主要力量,困擾中小企業(yè)融資難的問題受到了越來越多的關(guān)注。我國商業(yè)銀行是解決中小企業(yè)融資難的首要渠道,其對中小企業(yè)融資業(yè)務(wù)的受理及風(fēng)險(xiǎn)防范的措施已成為中小企業(yè)是否能獲得銀行資金支持的重要依據(jù)。本文通過對中小企業(yè)現(xiàn)狀及其融資難問題的分析,站在商業(yè)銀行的角度,以商業(yè)銀行為中小企業(yè)授信操作及風(fēng)險(xiǎn)防范為核心,結(jié)合P公司實(shí)際案例,提出商業(yè)銀行為中小企業(yè)授信時(shí)存在的問題及風(fēng)險(xiǎn)防范的改進(jìn)措施。 本文通過調(diào)查問卷、交流訪談、拜訪銀行等方式組織素材,對商業(yè)銀行中小企業(yè)授信操作及風(fēng)險(xiǎn)的管理進(jìn)行研究,首先本文介紹了我國當(dāng)前銀行金融機(jī)構(gòu)及中小企業(yè)融資的研究背景、目的和意義,以及國內(nèi)外銀行風(fēng)險(xiǎn)管理及中小企業(yè)融資的現(xiàn)狀研究。闡述本文的思路和具體框架；其次介紹了中小企業(yè)融資理論的分析。對我國中小企業(yè)的現(xiàn)狀及未來發(fā)展趨勢進(jìn)行分析。從企業(yè)的自身問題、銀行方面和政策方面來逐一講述中小企業(yè)融資難原因和解決途徑。第三,是商業(yè)銀行中小企業(yè)授信操作的介紹。這里詳細(xì)的講述了商業(yè)銀行授信的定義、方式及管理,對目前商業(yè)銀行為中小企業(yè)提供授信的常規(guī)業(yè)務(wù)品種做了逐一介紹,同時(shí)展現(xiàn)了商業(yè)銀行受理中小企業(yè)授信業(yè)務(wù)時(shí)的風(fēng)險(xiǎn)評估及分析。以貸前調(diào)查、貸款審查及貸后檢查為引線,揭示了商業(yè)銀行授信業(yè)務(wù)從受理到收回貸款的整個(gè)業(yè)務(wù)操作流程及內(nèi)容；第四,是商業(yè)銀行中小企業(yè)授信風(fēng)險(xiǎn)及管理的介紹。這里講述了商業(yè)銀行授信風(fēng)險(xiǎn)的定義、分類及授信風(fēng)險(xiǎn)的分類認(rèn)定,通過對授信風(fēng)險(xiǎn)管理中存在問題的闡述,進(jìn)而提出相應(yīng)的解決方案,并針對當(dāng)前中小企業(yè)常見的授信業(yè)務(wù)品種來提示其風(fēng)險(xiǎn)防范的措施,以授信管理中的四個(gè)重要環(huán)節(jié)為基礎(chǔ),逐一闡述授信風(fēng)險(xiǎn)管理中的防范要點(diǎn)；第五,是以列舉P公司的實(shí)際案例來揭示中小企業(yè)在商業(yè)銀行申請授信時(shí)的風(fēng)險(xiǎn)評估及風(fēng)險(xiǎn)控制措施。 通過以上內(nèi)容的介紹,中小企業(yè)在我國國民經(jīng)濟(jì)當(dāng)中有著不可或缺的重要性,也是商業(yè)銀行授信業(yè)務(wù)的重要客戶群體之一。隨著我國經(jīng)濟(jì)的不斷發(fā)展,中小企業(yè)的資金需求也在不斷增加,授信業(yè)務(wù)品種也需要不斷創(chuàng)新與完善,揚(yáng)長避短、知己知彼、有效的查缺補(bǔ)漏才能使商業(yè)銀行業(yè)務(wù)水平不斷提升,規(guī)避風(fēng)險(xiǎn)的出現(xiàn)。
[Abstract]:At present, the rapid development of small and medium-sized enterprises has become an indispensable main force in the economic development of our country, and more attention has been paid to the problems puzzling the financing difficulties of small and medium-sized enterprises. The commercial banks of our country are the primary channel to solve the financing difficulties of SMEs. The acceptance of SMEs' financing business and the measures to prevent their risks have become the important basis for the SMEs to obtain the financial support from the banks. Based on the analysis of the current situation of SMEs and their financing difficulties, this paper, from the perspective of commercial banks, takes commercial banks as the core of credit granting operations and risk prevention for small and medium-sized enterprises, and combines with the actual cases of P Company. This paper puts forward the problems existing in the granting of credit to small and medium-sized enterprises by commercial banks and the improvement measures of risk prevention. In this paper, through questionnaire, exchange interviews, visits to banks and other ways to organize materials, commercial banks, small and medium-sized enterprises credit operations and risk management research, Firstly, this paper introduces the research background, purpose and significance of banking financial institutions and SME financing in China, as well as the current situation of banking risk management and SME financing at home and abroad. This paper describes the train of thought and specific framework, followed by the introduction of small and medium-sized enterprises financing theory analysis. The present situation and future development trend of small and medium-sized enterprises in China are analyzed. From the enterprise's own problem, the bank aspect and the policy aspect, explains the small and medium-sized enterprise financing difficulty reason and the solution one by one. Third, the introduction of small and medium-sized commercial bank credit operation. This paper describes the definition, mode and management of commercial bank credit in detail, and introduces one by one the variety of conventional business in which commercial banks provide credit to small and medium-sized enterprises. At the same time, it shows the risk assessment and analysis when the commercial banks accept the small and medium-sized credit business. With the lead of pre-loan investigation, loan examination and post-loan inspection, this paper reveals the whole business operation process and content of commercial bank credit business from accepting to recovering loan. Fourthly, it introduces the credit risk and management of commercial bank small and medium-sized enterprises. This paper describes the definition, classification and classification of credit risk in commercial banks, and then puts forward the corresponding solutions by expounding the problems existing in credit risk management. And in view of the common credit business varieties of SMEs to suggest its risk prevention measures, based on the four important links in credit management, one by one elaborated the key points of credit risk management; fifth, It is to enumerate the actual cases of P company to reveal the risk assessment and risk control measures of the small and medium-sized enterprises in the commercial bank application for credit. Through the introduction of the above content, the small and medium-sized enterprises have the indispensable importance in our national economy, also is one of the important customer groups of the commercial bank credit business. With the development of economy in our country, the capital demand of small and medium-sized enterprises is also increasing, and the variety of credit business also needs to be innovated and perfected constantly, to take advantage of its advantages and avoid its weaknesses, to know what it is and to know what it is. Only by checking the deficiency effectively can the business level of commercial bank be improved continuously and the risk be avoided.
【學(xué)位授予單位】：西南交通大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2013
【分類號】：F275;F832.4

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