本文關(guān)鍵詞： 中小企業(yè) 商業(yè)銀行 信用風(fēng)險(xiǎn)　出處：《對(duì)外經(jīng)濟(jì)貿(mào)易大學(xué)》2017年碩士論文　論文類型：學(xué)位論文

【摘要】：中小企業(yè)在國(guó)民經(jīng)濟(jì)中的地位不斷提升,但中小企業(yè)融資難的問(wèn)題也日益突出,中小企業(yè)外源融資的主要途徑是銀行貸款,而站在商業(yè)銀行的角度,中小企業(yè)規(guī)模小、抗風(fēng)險(xiǎn)能力差、信息不透明等原因?qū)е缕湫庞蔑L(fēng)險(xiǎn)較大,成為制約商業(yè)銀行發(fā)展中小企業(yè)貸款業(yè)務(wù)的瓶頸,是否能夠有效的管理中小企業(yè)信用風(fēng)險(xiǎn)成為了商業(yè)銀行亟待解決的問(wèn)題。本文從中小企業(yè)貸款的理論基礎(chǔ)入手,站在商業(yè)銀行的角度對(duì)中小企業(yè)貸款業(yè)務(wù)進(jìn)行分析,闡述了商業(yè)銀行中小企業(yè)不良貸款的現(xiàn)狀以及當(dāng)前商業(yè)銀行信用風(fēng)險(xiǎn)管理中存在的問(wèn)題,揭示了中小企業(yè)貸款業(yè)務(wù)的核心風(fēng)險(xiǎn)是信用風(fēng)險(xiǎn),從信用風(fēng)險(xiǎn)的成因和特點(diǎn)入手,結(jié)合本人在商業(yè)銀行中小企業(yè)貸款業(yè)務(wù)中的實(shí)踐經(jīng)驗(yàn),針對(duì)現(xiàn)有信用風(fēng)險(xiǎn)管理中的不足,從信用風(fēng)險(xiǎn)的識(shí)別、評(píng)估和控制三個(gè)角度提出了一些能有效降低信用風(fēng)險(xiǎn)的方法。
[Abstract]:The status of small and medium-sized enterprises in the national economy continues to improve, but the financing difficulties of small and medium-sized enterprises are also increasingly prominent. The main way of external financing for small and medium-sized enterprises is bank loans, while standing in the perspective of commercial banks. The small scale of small and medium-sized enterprises, poor ability to resist risks, information opaque and other reasons lead to its credit risk is large, which has become the bottleneck of commercial banks to develop small and medium-sized enterprises loan business. Whether it can effectively manage the credit risk of small and medium-sized enterprises has become an urgent problem for commercial banks. This paper starts with the theoretical basis of loans for small and medium-sized enterprises. From the point of view of commercial banks, this paper analyzes the loan business of small and medium-sized enterprises, expounds the current situation of non-performing loans of small and medium-sized enterprises in commercial banks and the problems existing in the credit risk management of commercial banks. This paper reveals that the core risk of SME loan business is credit risk, starting with the causes and characteristics of credit risk, combined with my practical experience in the SME loan business of commercial banks. Aiming at the shortcomings of the existing credit risk management, this paper puts forward some effective methods to reduce the credit risk from the three aspects of credit risk identification, evaluation and control.
【學(xué)位授予單位】：對(duì)外經(jīng)濟(jì)貿(mào)易大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2017
【分類號(hào)】：F832.4
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本文編號(hào)：1476824