【摘要】：改革開放30多年以來,我國經(jīng)濟(jì)快速發(fā)展,市場經(jīng)濟(jì)逐步完善。我國中小企業(yè)不僅數(shù)量增加,企業(yè)質(zhì)量也不斷提高。一方面,中小企業(yè)在國民經(jīng)濟(jì)中所起的作用以及促進(jìn)社會經(jīng)濟(jì)發(fā)展的重要性日益凸顯,但是資金約束問題仍制約著中小企業(yè)的快速發(fā)展。另一方面,商業(yè)銀行在發(fā)展的過程中,銀行之間的競爭也日益激烈,因此商業(yè)銀行為了自身的發(fā)展以及其授信資金的安全,就應(yīng)該合理地調(diào)整好其信貸結(jié)構(gòu),為適應(yīng)有著不同特點(diǎn)的眾多中小企業(yè)的需求,創(chuàng)新不同的授信品種。全文共分六個(gè)部分。 第一部分：緒論。簡述本文的研究背景和研究目的,并通過對國內(nèi)外相關(guān)文獻(xiàn)的梳理,提出本文的主要研究內(nèi)容和研究方法。 第二部分：商業(yè)銀行中小企業(yè)授信業(yè)務(wù)風(fēng)險(xiǎn)管理理論。介紹我國商業(yè)銀行所開展的授信業(yè)務(wù)及種類,并通過對商業(yè)銀行中小企業(yè)授信業(yè)務(wù)風(fēng)險(xiǎn)管理理論的描述,為N商業(yè)銀行的授信風(fēng)險(xiǎn)管理作進(jìn)一步的指導(dǎo)。 第三部分：我國商業(yè)銀行中小企業(yè)授信業(yè)務(wù)風(fēng)險(xiǎn)管理方法。本部分分析了商業(yè)銀行對中小企業(yè)授信業(yè)務(wù)風(fēng)險(xiǎn)管理的傳統(tǒng)方法,并分析了進(jìn)行中小企業(yè)授信業(yè)務(wù)風(fēng)險(xiǎn)管理對銀行的重要作用。 第四部分：N商業(yè)銀行中小企業(yè)授信業(yè)務(wù)風(fēng)險(xiǎn)管理方法。這是本文的重點(diǎn)。在該部分,首先對N商業(yè)銀行所存在的中小企業(yè)不良授信案例進(jìn)行了描述,一方面說明中小企業(yè)授信業(yè)務(wù)風(fēng)險(xiǎn)是客觀存在的,另一方面也說明商業(yè)銀行進(jìn)行中小企業(yè)授信業(yè)務(wù)風(fēng)險(xiǎn)管理的重要性；在此基礎(chǔ)上,分析了N商業(yè)銀行授信中小企業(yè)業(yè)務(wù)的風(fēng)險(xiǎn)特征并對授信業(yè)務(wù)進(jìn)行風(fēng)險(xiǎn)分析；最后,從授信客戶準(zhǔn)入退出標(biāo)準(zhǔn)、授信客戶評級、授信資產(chǎn)風(fēng)險(xiǎn)分類及管理等方面分析了N商業(yè)銀行中小企業(yè)授信風(fēng)險(xiǎn)管理的方法,找出N商業(yè)銀行授信風(fēng)險(xiǎn)管理中所存在的問題。 第五部分：提升N商業(yè)銀行中小企業(yè)授信業(yè)務(wù)風(fēng)險(xiǎn)管理策略,根據(jù)第四章所進(jìn)行的風(fēng)險(xiǎn)分析,找出N商業(yè)銀行對中小企業(yè)授信風(fēng)險(xiǎn)所存在的問題,為其作出相應(yīng)的對策建議,以提高N商業(yè)銀行對授信資產(chǎn)的質(zhì)量及其安全性。 第六部分為全文章的總結(jié)。 授信風(fēng)險(xiǎn)管理作為商業(yè)銀行對中小企業(yè)信貸業(yè)務(wù)的核心。本文結(jié)合我國中小企業(yè)的特點(diǎn)和信用風(fēng)險(xiǎn)的特征,以N商業(yè)銀行中小企業(yè)授信風(fēng)險(xiǎn)管理為例,旨在為N商業(yè)銀行尋求適合其發(fā)展的實(shí)際情況,又滿足不同類型中小企業(yè)需求的授信風(fēng)險(xiǎn)管理理論及方法,也希望能給我國其他商業(yè)銀行在處理中小企業(yè)授信風(fēng)險(xiǎn)管理時(shí)提供有益的借鑒。
[Abstract]:Since the reform and opening up more than 30 years ago, our country economy develops rapidly, the market economy gradually consummates. China's small and medium-sized enterprises not only increase in number, enterprise quality also continues to improve. On the one hand, the role of small and medium-sized enterprises in the national economy and the importance of promoting social and economic development are increasingly prominent, but the problem of financial constraints still restricts the rapid development of small and medium-sized enterprises. On the other hand, during the development of commercial banks, the competition among banks is becoming increasingly fierce. Therefore, for the sake of their own development and the safety of their credit funds, commercial banks should adjust their credit structure reasonably. In order to meet the needs of many small and medium enterprises with different characteristics, different credit-granting varieties are innovated. The full text is divided into six parts. Part one: introduction. This paper briefly introduces the research background and purpose of this paper, and puts forward the main research contents and research methods by combing the related literature at home and abroad. The second part: the risk management theory of small and medium-sized enterprises in commercial banks. This paper introduces the types and types of credit business carried out by commercial banks in China, and provides further guidance for N commercial banks on credit risk management by describing the risk management theory of small and medium-sized credit business of commercial banks. The third part: the risk management method of the small and medium-sized credit business of the commercial bank of our country. This part analyzes the traditional methods of risk management of SME credit business in commercial banks, and analyzes the important role of risk management in SME credit business to banks. The fourth part is the risk management method of the small and medium-sized credit business of the commercial bank. This is the focus of this paper. In this part, first of all, the case of bad credit of small and medium-sized enterprises in N commercial bank is described. On the one hand, it shows that the risk of credit business of small and medium-sized enterprises exists objectively. On the other hand, it also explains the importance of risk management of SME credit business in commercial banks. On this basis, it analyzes the risk characteristics and risk analysis of credit business in N commercial bank. This paper analyzes the methods of credit risk management of small and medium-sized enterprises in N commercial bank and finds out the problems existing in credit risk management of N commercial bank from the aspects of credit access and exit standard, credit customer rating, credit asset risk classification and management, etc. The fifth part: promote the risk management strategy of small and medium-sized enterprise credit business of N commercial bank, according to the risk analysis of the fourth chapter, find out the problems existing in the credit risk of N commercial bank to small and medium-sized enterprises, and make corresponding countermeasures and suggestions for it. In order to improve the quality and security of N commercial bank credit assets. The sixth part is the summary of the whole article. Credit risk management is the core of commercial banks' credit business to small and medium-sized enterprises. Based on the characteristics of small and medium-sized enterprises in China and the characteristics of credit risk, this paper takes the credit risk management of small and medium-sized enterprises in N commercial bank as an example, in order to seek for the actual situation suitable for the development of N commercial bank. The theory and methods of credit risk management to meet the needs of different types of small and medium-sized enterprises are also expected to provide useful reference for other commercial banks in dealing with credit risk management of small and medium-sized enterprises in China.
【學(xué)位授予單位】：廣西師范大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2014
【分類號】：F832.33;F832.4;F276.3

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