本文選題：華夏銀行 + 中小企業(yè)��； 參考：《云南大學》2014年碩士論文

【摘要】：中小企業(yè)貸款問題是一個熱門話題,各大媒體特別是中央2臺曾經(jīng)單獨開設一個主題節(jié)目在探討貸款難問題,政府和各金融機構都在尋找中小企業(yè)貸款存在的問題和原因,政府也出臺了很多政策試圖解決這一問題,但成效都不太理想。中小企業(yè)在我國越來越發(fā)達的市場經(jīng)濟主體中已占有一席之地。為了讓中小企業(yè)經(jīng)受住了市場經(jīng)濟的洗禮,商業(yè)融資無疑是中小企業(yè)最有效的途徑,可以解決資金問題。然而,由于中小企業(yè)存在許多問題,如,銀行為了規(guī)避風險,中小企業(yè)的信貸需求慎重考慮。但是不得不承認,銀行想要發(fā)展,對中小企業(yè)放貸又是必須的。這樣就造成銀行在對中小企業(yè)放貸和風險之間的權衡,既要從放貸中獲取銀行的利益,又要保證放出去的資金能及時完整地收回,這就要求銀行本身創(chuàng)造了一個完善的中小企業(yè)信用風險管理系統(tǒng),保證雙方的利益得到保證,從而實現(xiàn)“雙贏的商業(yè)銀行”。作者在華夏銀行昆明分行工作三余年,目睹了中小企業(yè)發(fā)展過程中受資金制約的焦急狀況,銀行想放貸但又怕貸款發(fā)放風險過大的矛盾情況,本文在分析研究過程中,主要采取了比較分析和案例分析這兩種方法。比較分析法用來比較國內(nèi)和國外的銀行對中小企業(yè)信貸風險管理的不同；案例分析法用來理論聯(lián)系實際具體分析華夏銀行昆明分行中小企業(yè)貸款中的風險管理措施。 為了更好地研究商業(yè)銀行對中小企業(yè)的信貸風險管理問題,本文以華夏銀行昆明分行作為案例,通過論述華夏銀行中小企業(yè)信貸業(yè)務的開展情況與中小企業(yè)信貸業(yè)務中存在的風險問題,來分析信貸業(yè)務的風險成因,并針對風險管理問題提出了相應的對策。
[Abstract]:The issue of loans for small and medium-sized enterprises is a hot topic. The major media, especially the Central Radio 2, once set up a separate thematic program to discuss the difficulty of loans. The government and financial institutions are looking for the problems and reasons for the loans of small and medium-sized enterprises. The government has also introduced a number of policies to address this problem, but the results are not very good. Small and medium-sized enterprises in our country more and more developed market economy main body has occupied a place. In order for SMEs to withstand the baptism of market economy, commercial financing is undoubtedly the most effective way for SMEs to solve the problem of capital. However, there are many problems for SMEs, for example, banks consider the credit demand of SMEs carefully in order to avoid risks. But must admit, the bank wants to develop, the loan to the small and medium-sized enterprise is also necessary. This has created a trade-off between lending to small and medium-sized enterprises and risks, both to obtain bank benefits from lending and to ensure that the funds released can be recovered in a timely and complete manner. This requires the bank itself to create a perfect credit risk management system for small and medium-sized enterprises, to ensure that the interests of both sides are guaranteed, so as to achieve a "win-win commercial bank". The author has been working in Kunming Branch of Huaxia Bank for more than three years, and has witnessed the anxious situation of capital restriction in the development of small and medium-sized enterprises, and the contradiction that banks want to lend but are afraid of the risk of loan issuance. This paper mainly adopts two methods: comparative analysis and case analysis. The comparative analysis method is used to compare the differences between domestic and foreign banks in credit risk management of SMEs, and the case analysis method is used to analyze the risk management measures in the loan of small and medium-sized enterprises in Kunming Branch of Huaxia Bank. In order to better study the credit risk management of commercial banks to small and medium-sized enterprises, this paper takes Kunming Branch of Huaxia Bank as a case study. This paper analyzes the causes of the risks in the credit business of the small and medium-sized enterprises of Huaxia Bank through discussing the development of the credit business of the small and medium-sized enterprises of Huaxia Bank and the risk problems existing in the credit business of small and medium-sized enterprises, and puts forward the corresponding countermeasures for the risk management problems.
【學位授予單位】：云南大學
【學位級別】：碩士
【學位授予年份】：2014
【分類號】：F832.4;F276.3

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