本文選題：小企業(yè) + 信貸風(fēng)險��； 參考：《浙江大學(xué)》2014年碩士論文

【摘要】：不論在發(fā)達國家或在發(fā)展中國家,小企業(yè)都是一國經(jīng)濟的重要組成部分,在吸收就業(yè)、穩(wěn)定社會、活躍經(jīng)濟等方面發(fā)揮了重大作用。為小企業(yè)發(fā)展提供積極的金融支持,既是城市商業(yè)銀行發(fā)展的必然之選,也是小企業(yè)發(fā)展的必然要求。商業(yè)銀行固有的信貸管理體制嚴(yán)重制約著小企業(yè)自身的長遠發(fā)展和資金融通,小企業(yè)較強的信貸資金需求要求商業(yè)銀行盡快建立起一套更為完善、較為合理的風(fēng)險控制系統(tǒng),金融監(jiān)管創(chuàng)新和小企業(yè)產(chǎn)業(yè)升級為商業(yè)銀行內(nèi)部風(fēng)險控制能力提出了更高的要求。如何提高信貸效率,有效控制小企業(yè)信用風(fēng)險控制己經(jīng)成為我國商業(yè)銀行當(dāng)務(wù)之急。 通過對包商銀行小企業(yè)信貸風(fēng)險控制的研究,可以達到對小企業(yè)進一步認(rèn)識,梳理出影響銀行對小企業(yè)信貸風(fēng)險的要素和體系,可以將銀行的工作實踐與理論更加地密切聯(lián)系起來,對于包商銀行的信貸風(fēng)險控制管理方法有著很大的指導(dǎo)意義,對于我國其它商業(yè)銀行在對小企業(yè)信貸風(fēng)險控制也有很大的參考價值。
[Abstract]:In both developed and developing countries, small businesses are an important part of a country's economy and play an important role in absorbing employment, stabilizing society, and activating the economy. To provide positive financial support for the development of small enterprises is not only an inevitable choice for the development of urban commercial banks, but also an inevitable requirement for the development of small enterprises. The inherent credit management system of commercial banks seriously restricts the long-term development and financing of small enterprises. The strong demand for credit funds of small enterprises requires commercial banks to set up a more perfect and reasonable risk control system as soon as possible. The innovation of financial supervision and the upgrading of small enterprise industry put forward higher requirements for the internal risk control ability of commercial banks. How to improve the credit efficiency and effectively control the credit risk of small enterprises has become an urgent task for our commercial banks. Through the research on the credit risk control of the small enterprise in the contractor bank, we can get a further understanding of the small enterprise, and sort out the elements and system that affect the credit risk of the bank to the small enterprise. It can be more closely related to the practice and theory of the bank, and has great guiding significance for the credit risk control and management method of the contractor bank. It also has great reference value for other commercial banks in controlling the credit risk of small enterprises.
【學(xué)位授予單位】：浙江大學(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

【參考文獻】

相關(guān)期刊論文 前9條

1 萬紹玫;;我國中小企業(yè)信貸風(fēng)險及防范探析[J];企業(yè)經(jīng)濟;2010年11期

2 楊楹源,王都富,李e，

本文編號：1830609