【摘要】：隨著我國市場經(jīng)濟的不斷發(fā)展，小微企業(yè)也發(fā)展迅速，其促進了城鄉(xiāng)經(jīng)濟的繁榮、增加了社會的就業(yè)、提高了群眾的生活水平，成為確保經(jīng)濟社會健康、持續(xù)發(fā)展的主要力量，小微企業(yè)能否獲得良性發(fā)展在很大程度上決定了我國進一步深化經(jīng)濟社會的可持續(xù)發(fā)展的進程的目標能否實現(xiàn)。但是，對小微企業(yè)的發(fā)展而言，最大的一個瓶頸就是融資的巨大需求與融資難的現(xiàn)實間所存在的矛盾。近年來，商業(yè)銀行逐漸介入小微企業(yè)的金融領域，還將融資的有關(guān)業(yè)務提供給小微企業(yè)，商業(yè)銀行陸續(xù)推出了針對微小企業(yè)融資的相關(guān)金融服務與產(chǎn)品。 作為貸款投放的第一道防線，貸前審查尤為重要。目前銀行進行貸前審查多數(shù)是從企業(yè)自身情況，以及在行業(yè)內(nèi)的情況來進行調(diào)查。比較雜亂無章，沒有統(tǒng)一的調(diào)查方法和規(guī)范。常常會因為調(diào)查的不夠細致而忽略了企業(yè)是否具備貸款資格，或者調(diào)查結(jié)果與事實不相符合，雖然發(fā)放了貸款但是卻出現(xiàn)逃貸、欠貸的情況。 民生銀行商貸通業(yè)務針對小微企業(yè)貸款業(yè)務，努力完善貸前審查的步驟，與其他同類銀行同類業(yè)務相比具有三個顯著特點：（1）使用具體的數(shù)據(jù)分析方法對貸款企業(yè)的財務資金進行分析；（2）完善并統(tǒng)一了貸前調(diào)查文本，，使信貸調(diào)查人員有審查依據(jù)，規(guī)范調(diào)查行為；（3）根據(jù)前期的調(diào)查，給予客戶在一定額度內(nèi)和時限內(nèi)循環(huán)貸款的方案。 最后，本文以建筑公司為例，以實際貸款過程說明貸前審查的步驟，實施效果。在實際的例子中說明了商貸通業(yè)務貸前審查的特點和重要性。
[Abstract]:With the continuous development of China's market economy, small and micro enterprises have also developed rapidly, which has promoted the prosperity of urban and rural economies, increased the employment of society, improved the living standards of the masses, and become the main force to ensure the healthy and sustainable development of the economy and society. To a great extent, whether small and micro enterprises can get good development determines whether our country can realize the goal of deepening the sustainable development of economy and society. However, for the development of small and micro enterprises, one of the biggest bottlenecks is the contradiction between the huge demand for financing and the reality of financing difficulties. In recent years, commercial banks have gradually stepped into the financial field of small and micro enterprises, and the related business of financing has been provided to small and micro enterprises, and commercial banks have launched related financial services and products for financing of small and micro enterprises one after another. As the first line of defense for lending, pre-credit review is particularly important. At present, banks conduct pre-loan reviews mostly from the companies themselves, as well as from within the industry. Relatively messy, there is no unified investigation methods and norms. Often because the investigation is not careful enough to ignore whether the enterprise has the loan qualification, or the investigation result does not accord with the fact, although issued the loan but actually appeared to evade the loan, the situation which owes the loan. Minsheng Bank Lending Business aims at the small and micro enterprise loan business, and strives to improve the steps of the pre-loan review. Compared with the similar business of other similar banks, it has three remarkable characteristics: (1) using specific data analysis method to analyze the financial funds of loan enterprises; (2) perfecting and unifying the pre-loan investigation text so that the credit surveyors can have a basis for examination. Standard investigation behavior; (3) according to the previous investigation, give the customer within a certain amount and within the time limit of revolving loan program. Finally, taking the construction company as an example, the actual loan process is used to explain the steps of the pre-loan review and the effect. The characteristics and importance of the pre-credit examination are illustrated in practical examples.
【學位授予單位】：華中科技大學
【學位級別】：碩士
【學位授予年份】：2013
【分類號】：F832.4

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