本文關(guān)鍵詞：中國銀行鐵嶺分行中小企業(yè)信貸風(fēng)險防范研究　出處：《遼寧大學(xué)》2012年碩士論文　論文類型：學(xué)位論文

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【摘要】：中小企業(yè)的發(fā)展和壯大是當(dāng)前處于經(jīng)濟轉(zhuǎn)型時期的中國最為關(guān)注的焦點,也是決定著中國能否完成經(jīng)濟結(jié)構(gòu)的重大調(diào)整,成功轉(zhuǎn)型的重要因素之一。信貸風(fēng)險對于銀行科學(xué)健康發(fā)展和金融市場穩(wěn)定前行的重要意義。受金融危機的影響,中小企業(yè)主破產(chǎn)、出逃的消息給社會帶來了不穩(wěn)定因素,也給市場經(jīng)濟帶來了沖擊和影響。然而,籌資融資是中小企業(yè)發(fā)展的生命線,缺乏資金一旦導(dǎo)致資金鏈斷裂,企業(yè)生命岌岌可危。那么,如何將這看似矛盾的二者結(jié)合在一起,如何有效的防范和化解中小企業(yè)的信貸風(fēng)險就成為一個重要的課題。 本文通過一系列調(diào)查研究,定量分析,借鑒國外先進經(jīng)驗,總結(jié)出了作者的觀點,形成了本論文,創(chuàng)新之處是“大風(fēng)險”管理理論,即全員風(fēng)險意識。第一章中將這些信息不對稱等理論進行了闡述。分析了市場風(fēng)險,操作風(fēng)險等都可以使信貸產(chǎn)生風(fēng)險,但是銀行不會因為存在風(fēng)險就放棄收益、放棄放貸。風(fēng)險是客觀存在的,只有采取有效的控制方法才能將風(fēng)險降至最低。第二章將中國銀行鐵嶺分行的具體信貸業(yè)務(wù)及風(fēng)險現(xiàn)狀進行了分析,為進一步發(fā)現(xiàn)風(fēng)險防范存在的問題奠定了基礎(chǔ)。論文提出問題是在第三章,中國銀行鐵嶺分行中小企業(yè)信貸風(fēng)險防范現(xiàn)狀及問題。第四章對于風(fēng)險防范,務(wù)必要從多角度切入,以綜合治理的辦法加以解決。應(yīng)以“大風(fēng)險”管理的理念入手,把思想認(rèn)識提高到全員防范風(fēng)險的高度上來,從決策到執(zhí)行,層層關(guān)注；加強信貸風(fēng)險的全過程管理,在貸前、貸中、貸后的各個環(huán)節(jié)上強化內(nèi)控,實現(xiàn)風(fēng)險管理的多點監(jiān)督和無縫連接；除了健全和完善中小企業(yè)信貸的組織架構(gòu)和業(yè)務(wù)流程外,還應(yīng)該充分借鑒德國、韓國等先進商業(yè)銀行的經(jīng)驗,開展制度和管理上的改進和創(chuàng)新,提升風(fēng)險控制管控水平。 本文對中小企業(yè)信貸情況作了階段性的總結(jié)和整理,力求從中找到一條適合小城市銀行發(fā)展的一條可行之路,為家鄉(xiāng)銀行的合理化解中小企業(yè)信貸風(fēng)險提供借鑒和依據(jù)。
[Abstract]:The development and growth of small and medium-sized enterprises (SMEs) is the focus of most attention in the period of economic transition in China, and it also determines whether China can complete the major adjustment of the economic structure. One of the important factors of successful transformation. Credit risk is important for the healthy development of banking science and financial market. Affected by the financial crisis, SMEs bankruptcy. The news of flight has brought instability factors to the society, but also to the market economy impact and impact. However, financing is the lifeline of the development of small and medium-sized enterprises, once the lack of funds leads to the breakage of the capital chain. Then, how to combine the seemingly contradictory two, how to effectively prevent and resolve the credit risk of small and medium-sized enterprises has become an important topic. Through a series of investigation and research, quantitative analysis, drawing lessons from foreign advanced experience, this paper summarizes the author's views and forms this paper. The innovation is the "big risk" management theory. In the first chapter, the theory of asymmetric information is expounded, and market risk, operational risk and so on can make credit risk. But banks don't give up earnings and lend because there is risk. Risk is objective. Only by adopting effective control methods can the risk be minimized. Chapter two analyzes the specific credit business and risk situation of Tieling Branch of Bank of China. It lays a foundation for further finding the problems of risk prevention. The paper puts forward the questions in Chapter 3, the current situation and problems of credit risk prevention for small and medium-sized enterprises in Tieling Branch of Bank of China. Chapter 4th deals with risk prevention. It must be solved by comprehensive management from various angles. We should start with the concept of "big risk" management, raise our ideological understanding to the height of preventing risks, and pay close attention to it from decision-making to execution. Strengthen the whole process management of credit risk, strengthen the internal control in each link before, during and after loan, realize the multi-point supervision and seamless connection of risk management; Besides perfecting the organization structure and business process of SME credit, we should learn from the experience of advanced commercial banks, such as Germany and Korea, and carry out system and management improvement and innovation. Improve risk control and control level. This paper summarizes the credit situation of small and medium-sized enterprises and tries to find a feasible way for the development of small city banks. It can provide reference and basis for the bank to resolve the credit risk of small and medium-sized enterprises.
【學(xué)位授予單位】：遼寧大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2012
【分類號】：F832.4

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