本文關(guān)鍵詞： 經(jīng)濟(jì)下行周期 中小企業(yè) 信貸風(fēng)險(xiǎn)　出處：《昆明理工大學(xué)》2014年碩士論文　論文類型：學(xué)位論文

【摘要】：2011年以來,隨著歐美債務(wù)危機(jī)引發(fā)的國(guó)際金融市場(chǎng)動(dòng)蕩的外因影響,以及國(guó)內(nèi)貨幣政策趨緊,信貸增速進(jìn)一步回落等內(nèi)因的制約,我國(guó)宏觀經(jīng)濟(jì)下行壓力逐漸顯現(xiàn)。根據(jù)2013年的宏觀經(jīng)濟(jì)及主要工業(yè)行業(yè)的運(yùn)行情況,各項(xiàng)數(shù)據(jù)分析表明,宏觀經(jīng)濟(jì)已進(jìn)入經(jīng)濟(jì)下行周期。這一時(shí)期,中小企業(yè)生產(chǎn)和融資成本不斷攀升,生存壓力加大,經(jīng)營(yíng)情況惡化,債務(wù)違約風(fēng)險(xiǎn)上升,商業(yè)銀行貸款不良率反彈,使得商業(yè)銀行發(fā)展中小企業(yè)業(yè)務(wù)的熱情受到打擊。然而,政府管理部門、銀行監(jiān)管部門仍要求商業(yè)銀行加大對(duì)中小企業(yè)的支持,使得商業(yè)銀行陷入較為尷尬的境地,如何在宏觀經(jīng)濟(jì)下行周期中,強(qiáng)化風(fēng)險(xiǎn)管理,將中小企業(yè)不良貸款控制在相對(duì)合理和可容忍的范圍內(nèi),實(shí)現(xiàn)中小企業(yè)業(yè)務(wù)的可持續(xù)發(fā)展,成為各家商業(yè)銀行必須破解的現(xiàn)實(shí)難題。 縱觀國(guó)內(nèi)外研究文獻(xiàn),雖然對(duì)于信用風(fēng)險(xiǎn)的分析和管理方法日益成熟,但是針對(duì)經(jīng)濟(jì)下行期間,如何采取具體措施來把握銀行中小企業(yè)信貸風(fēng)險(xiǎn)則著墨較少。因此本研究課題在上述背景下,以經(jīng)濟(jì)下行周期中小企業(yè)信貸風(fēng)險(xiǎn)控制為研究對(duì)象,依據(jù)相關(guān)概念理論,在分析常州市經(jīng)濟(jì)發(fā)展?fàn)顩r及B銀行中小企業(yè)信貸現(xiàn)狀的基礎(chǔ)上,提出經(jīng)濟(jì)下行期間防范中小企業(yè)信貸風(fēng)險(xiǎn)的思路和建議,對(duì)于如何完善我國(guó)中小企業(yè)信貸風(fēng)險(xiǎn)控制體系具有一定的現(xiàn)實(shí)意義和參考價(jià)值。
[Abstract]:Since 2011, the international financial market turmoil caused by the external factors with the debt crisis in Europe, as well as domestic monetary policy tightening, restricting credit growth fell further inside, downward pressure on China's macro economy gradually. According to the operation of macro economy in 2013 and the main industry, the data show that the macro economy has entered the period of economic downturn. During this period, the production and financing costs continue to rise, increasing pressure to survive, business conditions worsen, debt default risk rises, commercial banks non-performing loan rate rebound, the development of small and medium-sized enterprises of commercial banks enthusiasm hit. However, government departments, banking supervision departments still require commercial banks to increase support of small and medium-sized enterprises, the commercial banks in a dilemma, how in the macroeconomic downturn period, strengthen risk Management, controlling the non-performing loans of small and medium-sized enterprises in a relatively reasonable and tolerable range, and realizing the sustainable development of SMEs business, has become a real problem for all commercial banks to solve.
The research literature at home and abroad, although the analysis and management methods for credit risk is increasingly mature, but in the period of economic downturn, how to take concrete measures to grasp the credit risk of SMEs is less. Therefore this research attention in the background, in the economic down cycle of small and medium sized enterprises credit risk control as the research object, on the basis of the relevant the concept of theory, based on analyzing the status of the development of economy and the B Bank of Changzhou City, the small and medium-sized enterprise credit situation, put forward ideas and suggestions during the economic downturn to guard against credit risk of small and medium-sized enterprises, how to improve the credit risk control system of small and medium-sized enterprises of our country has certain practical significance and reference value.

【學(xué)位授予單位】：昆明理工大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類號(hào)】：F832.4;F276.3

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本文編號(hào)：1452049