本文選題：交通銀行株洲分行　切入點(diǎn)：中小企業(yè)　出處：《湖南大學(xué)》2014年碩士論文

【摘要】：目前，中小企業(yè)的主要融資渠道是銀行信貸，因此，中小企業(yè)信貸業(yè)務(wù)也逐漸成為商業(yè)銀行占據(jù)信貸業(yè)務(wù)市場(chǎng)份額的“新戰(zhàn)場(chǎng)”，同時(shí)，商業(yè)銀行也面臨著較大的信貸風(fēng)險(xiǎn)。因此，對(duì)商業(yè)銀行中小企業(yè)信貸業(yè)務(wù)風(fēng)險(xiǎn)進(jìn)行優(yōu)質(zhì)管理，是商業(yè)銀行信貸業(yè)務(wù)擴(kuò)張的同時(shí)，維持其自身資產(chǎn)安全性、流動(dòng)性和盈利性的重要保障。 本文首先對(duì)中小企業(yè)的概念進(jìn)行界定，指出商業(yè)銀行中小企業(yè)信貸的特殊性風(fēng)險(xiǎn)，，介紹了商業(yè)銀行目前普遍運(yùn)用的信貸風(fēng)險(xiǎn)評(píng)估方法及指標(biāo)，隨后從四個(gè)方面闡述了中小企業(yè)信貸風(fēng)險(xiǎn)管理的理論基礎(chǔ)，包括信息不對(duì)稱理論、企業(yè)生命周期理論、貸款承諾理論及信貸配給理論。然后將理論與實(shí)際聯(lián)系，結(jié)合交通銀行株洲分行（以下簡(jiǎn)稱“株洲交行”）中小企業(yè)信貸業(yè)務(wù)發(fā)展?fàn)顩r，介紹了株洲交行中小企業(yè)信貸業(yè)務(wù)的風(fēng)險(xiǎn)管理現(xiàn)狀。最后，本文著眼于商業(yè)銀行的貸前風(fēng)險(xiǎn)識(shí)別、貸中風(fēng)險(xiǎn)評(píng)估以及貸后風(fēng)險(xiǎn)監(jiān)控三大角度，對(duì)株洲交行中小企業(yè)信貸風(fēng)險(xiǎn)管理存在的問(wèn)題進(jìn)行剖析。 本文在依據(jù)現(xiàn)有信貸風(fēng)險(xiǎn)管理理論及國(guó)外銀行先進(jìn)經(jīng)驗(yàn)的基礎(chǔ)上，從完善株洲交行織構(gòu)架、風(fēng)險(xiǎn)管理流程及加強(qiáng)三大風(fēng)險(xiǎn)管理機(jī)制等方面提出改善株洲交行中小企業(yè)信貸風(fēng)險(xiǎn)管理的對(duì)策，同時(shí)通過(guò)營(yíng)造成熟的信貸風(fēng)險(xiǎn)管理文化、完善信息系統(tǒng)建設(shè)及充實(shí)風(fēng)險(xiǎn)管理人才來(lái)保障對(duì)策的順利實(shí)施。
[Abstract]:At present, the main financing channel of SMEs is bank credit. Therefore, SME credit business has gradually become a "new battlefield" for commercial banks to occupy the market share of credit business. At the same time, commercial banks are also facing greater credit risks.Therefore, it is an important guarantee for commercial banks to maintain their own assets security, liquidity and profitability while expanding their credit business.This paper first defines the concept of small and medium-sized enterprises, points out the special risk of SMEs credit in commercial banks, and introduces the credit risk assessment methods and indicators that are widely used by commercial banks at present.Then the theoretical basis of SME credit risk management is expounded from four aspects, including information asymmetry theory, enterprise life cycle theory, loan commitment theory and credit rationing theory.Then combining the theory with practice and combining with the development of credit business of small and medium-sized enterprises in Zhuzhou Branch of Bank of Communications (hereinafter referred to as "Zhuzhou Communications Bank"), the paper introduces the risk management status of credit business of small and medium-sized enterprises in Zhuzhou Bank of Communications.Finally, this paper focuses on the commercial bank pre-credit risk identification, loan risk assessment and post-loan risk monitoring, to analyze the existing problems of credit risk management in small and medium-sized enterprises of Zhuzhou Communications Bank.Based on the existing theory of credit risk management and the advanced experience of foreign banks, this paper improves the structure of Zhuzhou Bank of Communications.The measures to improve the credit risk management of small and medium-sized enterprises in Zhuzhou Bank of China are put forward in the aspects of risk management process and strengthening the three risk management mechanisms. Meanwhile, through the creation of a mature credit risk management culture,Improve the construction of information systems and enrich risk management personnel to ensure the smooth implementation of countermeasures.
【學(xué)位授予單位】：湖南大學(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

【參考文獻(xiàn)】

中國(guó)期刊全文數(shù)據(jù)庫(kù) 前10條

1 秦江波;王宏起;;商業(yè)銀行信貸風(fēng)險(xiǎn)識(shí)別的神經(jīng)網(wǎng)絡(luò)模型[J];商業(yè)研究;2009年11期

2 李麟;索彥峰;;經(jīng)濟(jì)波動(dòng)、不良貸款與銀行業(yè)系統(tǒng)性風(fēng)險(xiǎn)[J];國(guó)際金融研究;2009年06期

3 巴曙松;王t熲

本文編號(hào)：1713939