本文選題：商業(yè)銀行 + 中小企業(yè)��； 參考：《天津大學》2014年碩士論文

【摘要】：作為國民經(jīng)濟體系中最活躍的因素之一,中小企業(yè)在促進我國經(jīng)濟增長、加速技術(shù)創(chuàng)新以及吸納就業(yè)等方面發(fā)揮著不可替代的重要作用。然而,融資難現(xiàn)象卻嚴重制約了我國中小企業(yè)健康發(fā)展。中小企業(yè)融資難是我國乃至全世界都普遍存在的問題。目前我國中小企業(yè)最主要的融資渠道是銀行貸款。中小企業(yè)面臨著融資需求大、融資渠道窄的現(xiàn)狀,而商業(yè)銀行面臨著對中小企業(yè)融資風險難以高效管理和控制的窘境,如何有效管控中小企業(yè)融資風險,不僅可以提高我國金融機構(gòu)對中小企業(yè)的服務(wù)水平,也對防范銀行系統(tǒng)性風險,增強銀行競爭力具有現(xiàn)實意義�；谇叭藢χ行∑髽I(yè)融資和銀行風險管理的研究成果上,本文通過對目前我國中小企業(yè)融資渠道及其特點的總結(jié)梳理,以及對我國商業(yè)銀行中小企業(yè)融資風險原因的分析,對中國GD銀行中小企業(yè)融資風險管控體系的構(gòu)建進行了研究。在了解該體系構(gòu)建原則之后,本文通過分析中國GD銀行中小企業(yè)創(chuàng)新型模式化業(yè)務(wù)的成功案例展現(xiàn)了這一風險管控體系的特點及高效性。接下來,本文敘述了中國GD銀行保證該風險管控流程順暢運作的若干必要措施,作為整個風險管控體系的補充和完善。最后,本文得出兩點創(chuàng)新性成果。第一,通過建立合理高效的審批流程、針對中小企業(yè)特點進行業(yè)務(wù)模式創(chuàng)新以及完善的組織架構(gòu)可以有效率地實現(xiàn)中小企業(yè)融資風險管理控制,在有完備的、切實可行的保證措施下,以上述三要素作為商業(yè)銀行構(gòu)建中小企業(yè)融資風險管控體系的核心是具有高效性的,而構(gòu)建高效的風險管理體系可以使銀行更好地為中小企業(yè)提供融資服務(wù)。第二,本文的研究為質(zhì)疑傳統(tǒng)的“中小金融機構(gòu)優(yōu)勢”論點提供例證。傳統(tǒng)觀點認為,對于合作性中小金融機構(gòu),即使其因無法真正了解地方中小企業(yè)運營狀況而無法實施有效監(jiān)管,合作組織中的中小企業(yè)間也會實施自我監(jiān)督,而這種監(jiān)督往往比金融機構(gòu)外部監(jiān)管更有效。中國GD銀行模式化業(yè)務(wù)中“聯(lián)保模式”即利用企業(yè)成員中“互相監(jiān)督”作用提高貸款的使用效率,為“大型商業(yè)銀行不如中小金融機構(gòu)更適合為中小企業(yè)服務(wù)”的觀點提供反例。
[Abstract]:As one of the most active factors in the national economic system, small and medium-sized enterprises (SMEs) play an irreplaceable role in promoting economic growth, accelerating technological innovation and absorbing employment in China.However, the phenomenon of financing difficulties has seriously restricted the healthy development of small and medium-sized enterprises in China.The financing difficulty of small and medium-sized enterprises is a common problem in our country and even all over the world.At present, the most important financing channel for SMEs in China is bank loans.Small and medium-sized enterprises are faced with the situation of large financing demand and narrow financing channels, while commercial banks are faced with the dilemma that it is difficult to efficiently manage and control the financing risks of small and medium-sized enterprises, so how to effectively control the financing risks of small and medium-sized enterprises.It can not only improve the service level of Chinese financial institutions to small and medium-sized enterprises, but also prevent the systemic risks of banks and enhance the competitiveness of banks.Based on the previous research results on SME financing and bank risk management, this paper summarizes the financing channels and characteristics of SMEs in China, and analyzes the causes of financing risk of SMEs in commercial banks in China.This paper studies the construction of financing risk management system in GD Bank of China.After understanding the construction principle of the system, this paper demonstrates the characteristics and efficiency of the risk management system by analyzing the successful cases of the innovative model business in GD Bank of China.Then, this paper describes some necessary measures for GD Bank of China to ensure the smooth operation of the risk control process, as a complement and perfection of the whole risk control system.Finally, this paper draws two innovative results.First, through the establishment of a reasonable and efficient approval process, according to the characteristics of small and medium-sized enterprises business model innovation and a sound organizational structure can effectively achieve SME financing risk management control,Under the feasible guarantee measures, it is efficient to take the above three elements as the core of the commercial bank to construct the financing risk control system of the small and medium-sized enterprises.The construction of an efficient risk management system can enable banks to better provide financing services for SMEs.Second, this study provides an example for questioning the traditional argument of "advantages of small and medium financial institutions".The traditional view is that, for cooperative small and medium-sized financial institutions, even if they are unable to implement effective supervision because of their inability to truly understand the operation of local small and medium-sized enterprises, there will be self-supervision among small and medium-sized enterprises in cooperative organizations.Such supervision tends to be more effective than external regulation of financial institutions.In the model business of GD Bank of China, the "protected mode" means that the "mutual supervision" role among the members of the enterprise is used to improve the efficiency of the use of loans.Counter-examples are provided for the view that large commercial banks are less suitable than small and medium-sized financial institutions to serve SMEs.
【學位授予單位】：天津大學
【學位級別】：碩士
【學位授予年份】：2014
【分類號】：F276.3;F832.4

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本文編號：1765729