本文選題：風(fēng)險(xiǎn)評(píng)價(jià) + 小微企業(yè)�。� 參考：《哈爾濱理工大學(xué)》2014年碩士論文

【摘要】：隨著中國近年經(jīng)濟(jì)的迅速發(fā)展，很多小微企業(yè)成為了中國重要的經(jīng)濟(jì)主體，它們?cè)谕苿?dòng)經(jīng)濟(jì)發(fā)展中發(fā)揮著重要的作用，此外小微企業(yè)在就業(yè)方面、稅收方面也都發(fā)揮著突出的貢獻(xiàn)。隨著經(jīng)濟(jì)全球化的快速發(fā)展，企業(yè)之間的競爭也不斷加劇，在這樣的環(huán)境下，很多小微企業(yè)為了在激烈的競爭中能夠長期發(fā)展下去，不斷加強(qiáng)小微企業(yè)的經(jīng)營管理能力和小微企業(yè)的技術(shù)創(chuàng)新，這樣才能取得更好的發(fā)展。面對(duì)越來越復(fù)雜的生存環(huán)境，如何做好小微企業(yè)的信貸風(fēng)險(xiǎn)，如何對(duì)小微企業(yè)的風(fēng)險(xiǎn)進(jìn)行科學(xué)的評(píng)價(jià)，如何拓寬銀行對(duì)于小微企業(yè)發(fā)展的信貸業(yè)務(wù)，這對(duì)于提高小微企業(yè)融資力度，降低小微企業(yè)經(jīng)營風(fēng)險(xiǎn)，促進(jìn)小微企業(yè)健康發(fā)展都有著重大意義。 基于此，本文對(duì)小微企業(yè)的風(fēng)險(xiǎn)評(píng)價(jià)展開探討。首先，分析了本文研究的背景、研究的目的和意義、國內(nèi)外的研究現(xiàn)狀以及本文研究的方法和內(nèi)容，對(duì)本文的研究進(jìn)行初步的介紹；然后分析了杭州民生銀行的概況，對(duì)民生銀行的信貸產(chǎn)品進(jìn)行了介紹，并且對(duì)小微企業(yè)的信貸業(yè)務(wù)面臨的風(fēng)險(xiǎn)進(jìn)行分析；接著對(duì)杭州民生銀行的小微企業(yè)貸款風(fēng)險(xiǎn)進(jìn)行了分析，通過貸款指標(biāo)評(píng)價(jià)設(shè)計(jì)，以及評(píng)價(jià)體系的設(shè)計(jì)進(jìn)行了分析；然后通過綜合評(píng)價(jià)法對(duì)杭州民生銀行的小微企業(yè)具體案例進(jìn)行了風(fēng)險(xiǎn)評(píng)價(jià)實(shí)證分析。通過綜合評(píng)價(jià)法，，評(píng)價(jià)指標(biāo)體系建立和評(píng)價(jià)模型設(shè)計(jì)進(jìn)行了詳細(xì)的剖析，對(duì)所舉案例的風(fēng)險(xiǎn)評(píng)估進(jìn)行了科學(xué)性和全面性的剖析；最后提出了杭州民生銀行小微企業(yè)貸款防范的建議和對(duì)策，從完善小微企業(yè)信貸業(yè)務(wù)組織結(jié)構(gòu)、強(qiáng)化信貸過程風(fēng)險(xiǎn)控制、積極創(chuàng)新信貸業(yè)務(wù)等三個(gè)方面提出了建議。
[Abstract]:With the rapid development of China's economy in recent years, many small and micro enterprises have become important economic entities in China. They play an important role in promoting economic development. In addition, small and micro enterprises play an important role in employment. Tax is also playing a prominent contribution. With the rapid development of economic globalization, competition among enterprises is becoming more and more intense. In such an environment, many small and micro enterprises can develop for a long time in the fierce competition. Only by continuously strengthening the management ability of small and micro enterprises and the technological innovation of small and micro enterprises can better development be achieved. In the face of more and more complicated living environment, how to do well the credit risk of the small and micro enterprises, how to evaluate the risk of the small and micro enterprises scientifically, how to broaden the credit business of the banks for the small and micro enterprises, This is of great significance to improve the financing of small and micro enterprises, reduce the risk of small and micro enterprises, and promote the healthy development of small and micro enterprises. Based on this, this paper discusses the risk assessment of small and micro enterprises. Firstly, it analyzes the background, purpose and significance of the research, the present research situation at home and abroad as well as the methods and contents of this study, and then analyzes the general situation of Hangzhou Minsheng Bank. This paper introduces the credit products of Minsheng Bank, and analyzes the risks faced by the small and micro enterprises, and then analyzes the risk of the small and micro enterprises of Hangzhou Minsheng Bank, and evaluates the design through the loan index. And the design of evaluation system is analyzed, and then the case of small and micro enterprises of Hangzhou Minsheng Bank is analyzed by comprehensive evaluation method. Through the comprehensive evaluation method, the establishment of the evaluation index system and the design of the evaluation model are analyzed in detail, and the risk assessment of the case mentioned is analyzed scientifically and comprehensively. Finally, the paper puts forward some suggestions and countermeasures for the prevention of small and micro enterprises' loans in Hangzhou Minsheng Bank, including perfecting the organization structure of the small and micro enterprises' credit business, strengthening the risk control of the credit process, and actively innovating the credit business.
【學(xué)位授予單位】：哈爾濱理工大學(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)：1882110