本文選題：中小企業(yè) + 授信風險　； 參考：《廣西師范大學》2014年碩士論文

【摘要】：國務院發(fā)展研究中心企業(yè)研究所日前發(fā)布《中國企業(yè)發(fā)展報告2014》指出：勞動力和房租成本上升較快擠壓了中小企業(yè)生存空間；中小企業(yè)融資難、融資貴問題仍未根本得到解決；所以要加快改革步伐進一步減輕中小企業(yè)負擔。其實,無論發(fā)達國家還是發(fā)展中國家,中小企業(yè)都是經(jīng)濟發(fā)展和社會穩(wěn)定的重要支柱。隨著我國經(jīng)濟體制改革的不斷深入,中小企業(yè)在整個國民經(jīng)濟中的地位越來越重要,已經(jīng)成為我國經(jīng)濟發(fā)展的一支生力軍。中小企業(yè)授信業(yè)務也正在成為各家商業(yè)銀行業(yè)務發(fā)展的重要增長點和新的利潤增長點。因此,加強對中小企業(yè)客戶授信風險的識別判斷和控制能力,促進中小企業(yè)授信業(yè)務健康發(fā)展,對我國商業(yè)銀行具有重要的理論意義和現(xiàn)實意義。 就我國的現(xiàn)狀而言,商業(yè)銀行在貸款發(fā)放方面受到法律法規(guī)以及內(nèi)部經(jīng)營管理制度等多方面因素的影響,而中小企業(yè)的抗風險能力普遍較弱、經(jīng)營管理水平低下、財務狀況不明晰等因素的客觀存在,使得銀行很難對中小企業(yè)的實際情況作出判斷,大大提高了銀行的放貸風險,再加上中小企業(yè)沒有合格的抵押品,不能提供銀行認可的擔保抵押條件,因此,商業(yè)銀行對中小企業(yè)貸款的審查和發(fā)放更加嚴格,防止出現(xiàn)信貸風險。 因此,商業(yè)銀行選擇優(yōu)質中小企業(yè)客戶群體,采取有效的信貸風險控制措施,實施銀行信貸資金的有效投放,才能支持企業(yè)的良好發(fā)展以及實現(xiàn)商業(yè)銀行的經(jīng)營目標,從而取得銀企雙方的共贏。本文的出發(fā)點和研究目標就在于此,希望能找到一條路徑,實現(xiàn)商業(yè)銀行和中小企業(yè)的和諧共贏發(fā)展。 本文通過對A商業(yè)銀行的細致分析,發(fā)現(xiàn)商業(yè)銀行在中小企業(yè)授信風險管理中存在的問題,并基于商業(yè)銀行的角度提出了中小企業(yè)授信風險管理的解決方案：一是優(yōu)化中小企業(yè)授信流程；二是加強區(qū)域行業(yè)研究,破圈解鏈防控擔保圈風險；三是注重中小企業(yè)實質性風險判斷,強化經(jīng)營性風險防控：四是優(yōu)化抵質押擔保方式,增強第二還款來源可靠性；五是構建銀政企三方平臺,依托政府控制風險：六是加強中小企業(yè)營銷和產(chǎn)品創(chuàng)新力度。
[Abstract]:The Enterprise Development Institute of the development research center of the State Council recently issued the China enterprise development report 2014> that the rapid increase of labor and rent costs has squeezed the survival space of small and medium-sized enterprises; the financing of small and medium-sized enterprises is difficult and the financing is still not fundamentally solved; therefore, it is necessary to accelerate the pace of reform to further reduce the burden of small and medium-sized enterprises. In fact, Small and medium enterprises are the important pillars of economic development and social stability in both developed and developing countries. With the continuous deepening of China's economic system reform, small and medium-sized enterprises have become more and more important in the whole national economy, and have become a new force in the development of our country's economy. Therefore, it is of great theoretical and practical significance for the commercial banks of China to strengthen the identification and control ability of the credit risk of small and medium-sized enterprises and promote the healthy development of the credit business of small and medium-sized enterprises.
As far as the current situation of our country is concerned, the commercial banks are influenced by many factors such as laws, regulations and internal management system in terms of loan issuance, while the risk resistance of small and medium-sized enterprises is generally weak, the management level is low, the financial situation is not clear and so on, which makes it difficult for the banks to do the actual situation of small and medium-sized enterprises. To make a judgment, it greatly improves the bank's lending risk, and the small and medium enterprises do not have qualified collateral, and can not provide the guarantee mortgage conditions approved by the bank. Therefore, the commercial banks are more stringent on the examination and distribution of SMEs' loans to prevent the emergence of credit risk.
Therefore, the commercial banks choose the customer groups of high quality and medium sized enterprises, take effective credit risk control measures and implement the effective delivery of bank credit funds to support the good development of the enterprises and realize the business objectives of the commercial banks, so as to win the win-win situation of both banks and enterprises. Find a way to achieve a harmonious and win-win development between commercial banks and SMEs.
Through the careful analysis of A commercial banks, this paper finds the problems existing in the credit risk management of commercial banks in small and medium enterprises, and puts forward the solutions for the management of credit risk management of small and medium-sized enterprises based on the commercial banks' angle. One is to optimize the credit process of small and medium-sized enterprises; two is to strengthen regional industry research and break the chain of chain of prevention and control guarantee circle. Risk; three is to pay attention to the substantive risk judgment of small and medium-sized enterprises and strengthen the management of operational risk prevention and control: four is to optimize the way of collateral guarantee and enhance the reliability of the source of the second repayment; five is to build the three party platform of the silver government and enterprise, and relies on the government to control the risk: the six is to strengthen the marketing of small and medium enterprises and the innovation of product.
【學位授予單位】：廣西師范大學
【學位級別】：碩士
【學位授予年份】：2014
【分類號】：F832.33;F832.4;F276.3

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