本文選題：中小企業(yè) + 銀行授信��； 參考：《吉林大學》2014年碩士論文

【摘要】：當代商業(yè)銀行面臨的經營管理的核心問題是風險管理，本文通過對當前在我國商業(yè)銀行授信業(yè)務中越來越占有重要地位的中小企業(yè)授信風險進行研究和分析，以中國銀行吉林省分行(以下簡稱:中行省分行）中小企業(yè)授信業(yè)務風險控制為例，旨在通過歸納與總結目前我國商業(yè)銀行所采用的授信風險控制方法，聯(lián)系我國中小企業(yè)經營特點和信用風險特征，探尋適合于我國現(xiàn)有經濟條件下對商業(yè)銀行來說切實可行、對授信業(yè)務風險管理具有積極意義的授信風險控制方法。 在我國市場經濟不斷發(fā)展和逐步完善的形勢下,中小企業(yè)作為日益壯大的經濟個體,對整個國民經濟的推動作用和在社會民生發(fā)展中的重要性也日益凸顯。但是，仍然有許多制約因素,尤其是融資難的問題，限制了中小企業(yè)的發(fā)展。隨著銀行之間的競爭逐漸激烈,商業(yè)銀行在發(fā)展的過程中怎樣調整信貸結構,怎樣在控制自身風險的基礎上，適應眾多中小企業(yè)發(fā)展的信貸需求，需要國家政策推動創(chuàng)造良好的市場環(huán)境,更需要商業(yè)銀行主動出擊尋求自身業(yè)務發(fā)展壯大的良機。銀行對授信業(yè)務的核心問題就是風險管理,本文以中行省分行中小企業(yè)授信風險控制為例,結合中小企業(yè)的經營特點和信用風險的特征,探尋出行之有效的授信業(yè)務風險管理理論和方法，使之對當前我國商業(yè)銀行切實可行又能夠充分滿足當前中小企業(yè)的授信需求,通過對中國銀行吉林省分行中小企業(yè)授信業(yè)務風險控制提出積極有益的設計方案，期望給其他商業(yè)銀行對中小企業(yè)的授信風險管理提供一定的參考借鑒意義。 本文主要以中國銀行中小企業(yè)授信風險控制為例,在總結國內外風險管理相關理論，分析商業(yè)銀行風險管理的理論和實踐發(fā)展現(xiàn)狀的基礎上,結合中國中小企業(yè)的特點,例如數(shù)量打規(guī)模小，產業(yè)層次低，財務制度不健全,企業(yè)生命周期短,逃廢債比率高，財務管理不規(guī)范,業(yè)主家族及個人對企業(yè)的經營管理影響過大等顯著特點,特別是在市場經濟日益發(fā)展變化，，中小企業(yè)授信環(huán)境不斷規(guī)范，授信需求逐漸提升，金融市場產品和服務水平都不斷提升的情況下，針對中國銀行吉林省分行中小企業(yè)授信業(yè)務風險控制的現(xiàn)狀及存在的問題,總結和分析在中小企業(yè)授信業(yè)務風險控制中的關鍵點和具體策略,著重在業(yè)務的各個職能環(huán)節(jié)進行重點問題管理和規(guī)范制度完善。分析中小企業(yè)授信業(yè)務風險的關鍵問題，并據(jù)此形成中行省分行中小企業(yè)授信業(yè)務產品設計思路和中行省分行中小企業(yè)授信業(yè)務的風險控制關鍵點,提出優(yōu)化中行省分行中小企業(yè)授信業(yè)務風險控制的設計方案,例如，提高對中小企業(yè)數(shù)據(jù)信息審查和甄別水平,整合授信流程并優(yōu)化現(xiàn)代信用風險評價管理,開展風險緩釋措施及強化重點客戶管理,創(chuàng)新中小企業(yè)授信產品風險價值管理體系等。另外,商業(yè)銀行對于授信客戶現(xiàn)金流的管理具有相對優(yōu)勢,銀行從風險管理角度通過對現(xiàn)金流的監(jiān)控,結合企業(yè)的結算模式和財務數(shù)據(jù),以這些從管理上的可實現(xiàn)的選擇讓客戶和銀行均可接受，從而形成銀企雙方互利共贏的授信方案。這樣既能夠滿足企業(yè)在業(yè)務發(fā)展過程中對融資的迫切需求,又可使商業(yè)銀行在風險可控的局面中獲得業(yè)務發(fā)展。 對深入探討如何解決中行省分行對中小企業(yè)授信困難的問題,通過運用行之有效的風險控制方法和授信業(yè)務管理模式以及產品創(chuàng)新設計解決中小企業(yè)授信業(yè)務的共性問題,是本文的創(chuàng)新點。市場經濟逐漸發(fā)展，中小企業(yè)授信也要不拘一格,不斷尋求突破和創(chuàng)新，在本文觀點和思路的基礎上,提出適應銀行授信業(yè)務發(fā)展和滿足中小企業(yè)授信需求的中小企業(yè)風險控制模式。
[Abstract]:The core problem of business management in modern commercial banks is risk management. Through the research and analysis of the credit risk of small and medium enterprises, which are becoming more and more important in our commercial banks' credit business, this paper takes the risk control of credit business of small and medium-sized enterprises in Jilin branch of China Bank (hereinafter referred to as China Bank branch) For example, by summarizing and summarizing the methods of credit risk control adopted by commercial banks in China, connecting with the characteristics of the management and credit risk of small and medium-sized enterprises in our country, this paper seeks to explore the effective means of credit risk control for commercial banks which are practical and feasible for commercial banks under the existing economic conditions of our country. Law.
In the situation of the continuous development and gradual improvement of the market economy in China, as a growing economic individual, small and medium-sized enterprises are becoming more and more important to the promotion of the whole national economy and the development of the people's livelihood. However, there are still many restrictive factors, especially the problem of financial difficulties, which restrict the development of small and medium-sized enterprises. The competition among banks is increasingly fierce. How to adjust the credit structure in the process of development and how to adapt to the credit needs of many small and medium-sized enterprises on the basis of controlling their own risks, need the national policy to promote the creation of a good market environment, and more need commercial banks to take the initiative to seek their own business to grow and grow. The core problem of the bank's credit business is risk management. This paper, taking the risk control of small and medium sized enterprises in the Central Bank of China as an example, combines the management characteristics of small and medium enterprises and the characteristics of credit risk to explore the effective management theory and method of the travel credit business, so that it is feasible and capable of charging the commercial banks in our country. It is expected to provide a certain reference for other commercial banks to manage the credit risk management of small and medium-sized enterprises by providing a positive and useful design plan for the credit business risk control of small and medium-sized enterprises in Jilin branch of China bank.
This paper mainly takes the credit risk control of small and medium enterprises of China bank as an example. On the basis of summarizing the related theories of risk management at home and abroad, analyzing the current situation of the theory and practice of the risk management of commercial banks, it combines the characteristics of small and medium enterprises in China, such as small size, low industrial level, unsound financial system and short life cycle of enterprises. The ratio of escape debt is high, the financial management is not standardized, the owner family and the individual have a great influence on the management of the enterprise. Especially in the market economy, the growing and changing of the market economy, the continuous improvement of the credit demand of the small and medium enterprises, the gradual promotion of the demand for credit, the continuous promotion of the level of the financial market and the service level of the financial market, are aimed at the Bank of China The present situation and existing problems of credit business risk control in small and medium-sized enterprises in Jilin branch, summarize and analyze the key points and specific strategies in the credit business risk control of small and medium-sized enterprises, focus on the management of key problems in the various functional links of business and perfect the standard system, and analyze the key problems of the credit business risk of small and medium-sized enterprises. On the basis of this, the design ideas of credit business products of medium and small enterprises in China Bank branch and the key point of risk control of medium and small enterprises' credit business in China Bank branch are put forward, and the design scheme of optimizing the credit business risk control of medium and small enterprises in China Bank branch is put forward, for example, to improve the level of information review and screening for small and medium-sized enterprises, and to integrate the credit process. And optimize the management of the modern credit risk assessment, carry out the measures of risk release and strengthen the management of key customer, and innovate the management system of the risk value of the credit products of small and medium-sized enterprises. In addition, the commercial banks have relative advantages to the management of the cash flow of the credit customers. The bank monitors the cash flow through the risk management angle, and combines the enterprise's knot. The calculation model and financial data can be accepted by the customers and banks by these manageable choices. Thus, the mutual benefit and mutual trust scheme of both banks and enterprises can be formed. This can not only meet the urgent demand for financing in the business development process, but also enable commercial banks to gain business development in a risk controllable situation.
In order to discuss how to solve the problem of credit credit for medium and small enterprises by the Bank of China, it is the innovation of this article by using effective risk control method, credit business management model and product innovation design to solve the common problems of small and medium enterprises' credit business. On the basis of the views and ideas of this article, we put forward the risk control model of small and medium-sized enterprises to adapt to the development of bank credit business and meet the demand for credit of small and medium enterprises.

【學位授予單位】：吉林大學
【學位級別】：碩士
【學位授予年份】：2014
【分類號】：F832.2

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