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

【摘要】：當(dāng)代商業(yè)銀行面臨的經(jīng)營(yíng)管理的核心問(wèn)題是風(fēng)險(xiǎn)管理，本文通過(guò)對(duì)當(dāng)前在我國(guó)商業(yè)銀行授信業(yè)務(wù)中越來(lái)越占有重要地位的中小企業(yè)授信風(fēng)險(xiǎn)進(jìn)行研究和分析，以中國(guó)銀行吉林省分行(以下簡(jiǎn)稱:中行省分行）中小企業(yè)授信業(yè)務(wù)風(fēng)險(xiǎn)控制為例，旨在通過(guò)歸納與總結(jié)目前我國(guó)商業(yè)銀行所采用的授信風(fēng)險(xiǎn)控制方法，聯(lián)系我國(guó)中小企業(yè)經(jīng)營(yíng)特點(diǎn)和信用風(fēng)險(xiǎn)特征，探尋適合于我國(guó)現(xiàn)有經(jīng)濟(jì)條件下對(duì)商業(yè)銀行來(lái)說(shuō)切實(shí)可行、對(duì)授信業(yè)務(wù)風(fēng)險(xiǎn)管理具有積極意義的授信風(fēng)險(xiǎn)控制方法。 在我國(guó)市場(chǎng)經(jīng)濟(jì)不斷發(fā)展和逐步完善的形勢(shì)下,中小企業(yè)作為日益壯大的經(jīng)濟(jì)個(gè)體,對(duì)整個(gè)國(guó)民經(jīng)濟(jì)的推動(dòng)作用和在社會(huì)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(wèn)題，限制了中小企業(yè)的發(fā)展。隨著銀行之間的競(jìng)爭(zhēng)逐漸激烈,商業(yè)銀行在發(fā)展的過(guò)程中怎樣調(diào)整信貸結(jié)構(gòu),怎樣在控制自身風(fēng)險(xiǎn)的基礎(chǔ)上，適應(yīng)眾多中小企業(yè)發(fā)展的信貸需求，需要國(guó)家政策推動(dòng)創(chuàng)造良好的市場(chǎng)環(huán)境,更需要商業(yè)銀行主動(dòng)出擊尋求自身業(yè)務(wù)發(fā)展壯大的良機(jī)。銀行對(duì)授信業(yè)務(wù)的核心問(wèn)題就是風(fēng)險(xiǎn)管理,本文以中行省分行中小企業(yè)授信風(fēng)險(xiǎn)控制為例,結(jié)合中小企業(yè)的經(jīng)營(yíng)特點(diǎn)和信用風(fēng)險(xiǎn)的特征,探尋出行之有效的授信業(yè)務(wù)風(fēng)險(xiǎn)管理理論和方法，使之對(duì)當(dāng)前我國(guó)商業(yè)銀行切實(shí)可行又能夠充分滿足當(dāng)前中小企業(yè)的授信需求,通過(guò)對(duì)中國(guó)銀行吉林省分行中小企業(yè)授信業(yè)務(wù)風(fēng)險(xiǎn)控制提出積極有益的設(shè)計(jì)方案，期望給其他商業(yè)銀行對(duì)中小企業(yè)的授信風(fēng)險(xiǎn)管理提供一定的參考借鑒意義。 本文主要以中國(guó)銀行中小企業(yè)授信風(fēng)險(xiǎn)控制為例,在總結(jié)國(guó)內(nèi)外風(fēng)險(xiǎn)管理相關(guān)理論，分析商業(yè)銀行風(fēng)險(xiǎn)管理的理論和實(shí)踐發(fā)展現(xiàn)狀的基礎(chǔ)上,結(jié)合中國(guó)中小企業(yè)的特點(diǎn),例如數(shù)量打規(guī)模小，產(chǎn)業(yè)層次低，財(cái)務(wù)制度不健全,企業(yè)生命周期短,逃廢債比率高，財(cái)務(wù)管理不規(guī)范,業(yè)主家族及個(gè)人對(duì)企業(yè)的經(jīng)營(yíng)管理影響過(guò)大等顯著特點(diǎn),特別是在市場(chǎng)經(jīng)濟(jì)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(chǎng)產(chǎn)品和服務(wù)水平都不斷提升的情況下，針對(duì)中國(guó)銀行吉林省分行中小企業(yè)授信業(yè)務(wù)風(fēng)險(xiǎn)控制的現(xiàn)狀及存在的問(wèn)題,總結(jié)和分析在中小企業(yè)授信業(yè)務(wù)風(fēng)險(xiǎn)控制中的關(guān)鍵點(diǎn)和具體策略,著重在業(yè)務(wù)的各個(gè)職能環(huán)節(jié)進(jìn)行重點(diǎn)問(wèn)題管理和規(guī)范制度完善。分析中小企業(yè)授信業(yè)務(wù)風(fēng)險(xiǎn)的關(guān)鍵問(wèn)題，并據(jù)此形成中行省分行中小企業(yè)授信業(yè)務(wù)產(chǎn)品設(shè)計(jì)思路和中行省分行中小企業(yè)授信業(yè)務(wù)的風(fēng)險(xiǎn)控制關(guān)鍵點(diǎn),提出優(yōu)化中行省分行中小企業(yè)授信業(yè)務(wù)風(fēng)險(xiǎn)控制的設(shè)計(jì)方案,例如，提高對(duì)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(fēng)險(xiǎn)評(píng)價(jià)管理,開(kāi)展風(fēng)險(xiǎn)緩釋措施及強(qiáng)化重點(diǎn)客戶管理,創(chuàng)新中小企業(yè)授信產(chǎn)品風(fēng)險(xiǎn)價(jià)值管理體系等。另外,商業(yè)銀行對(duì)于授信客戶現(xiàn)金流的管理具有相對(duì)優(yōu)勢(shì),銀行從風(fēng)險(xiǎn)管理角度通過(guò)對(duì)現(xiàn)金流的監(jiān)控,結(jié)合企業(yè)的結(jié)算模式和財(cái)務(wù)數(shù)據(jù),以這些從管理上的可實(shí)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(wù)發(fā)展過(guò)程中對(duì)融資的迫切需求,又可使商業(yè)銀行在風(fēng)險(xiǎn)可控的局面中獲得業(yè)務(wù)發(fā)展。 對(duì)深入探討如何解決中行省分行對(duì)中小企業(yè)授信困難的問(wèn)題,通過(guò)運(yùn)用行之有效的風(fēng)險(xiǎn)控制方法和授信業(yè)務(wù)管理模式以及產(chǎn)品創(chuàng)新設(shè)計(jì)解決中小企業(yè)授信業(yè)務(wù)的共性問(wèn)題,是本文的創(chuàng)新點(diǎn)。市場(chǎng)經(jīng)濟(jì)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(diǎn)和思路的基礎(chǔ)上,提出適應(yīng)銀行授信業(yè)務(wù)發(fā)展和滿足中小企業(yè)授信需求的中小企業(yè)風(fēng)險(xiǎn)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(xué)位授予單位】：吉林大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類號(hào)】：F832.2

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