本文選題：銀行 + 中小企業(yè)��； 參考：《大連理工大學(xué)》2014年碩士論文

【摘要】：中小企業(yè)作為重要的經(jīng)濟(jì)活動主體,一直是我國經(jīng)濟(jì)發(fā)展的重要推動力,對經(jīng)濟(jì)發(fā)展起著至關(guān)重要的作用。中小企業(yè)不但在稅收、就業(yè)方面有著突出貢獻(xiàn),受經(jīng)濟(jì)全球化的促進(jìn),部分中小企業(yè)經(jīng)營管理能力增強(qiáng),技術(shù)創(chuàng)新能力突出,受到國家越來越多的重視。但融資難一直是制約中小企業(yè)發(fā)展的重要因素之一,目前銀行貸款成為中小企業(yè)主要的融資方式,如何控制中小企業(yè)貸款風(fēng)險(xiǎn),對商業(yè)銀行來說意義重大。 本文對中小企業(yè)貸款風(fēng)險(xiǎn)進(jìn)行分析,結(jié)合作者多年在中國銀行S支行的工作經(jīng)驗(yàn)指出目前S支行中小企業(yè)貸款業(yè)務(wù)的主要風(fēng)險(xiǎn),并深入探討風(fēng)險(xiǎn)的形成原因。最后,為改善S支行中小企業(yè)貸款風(fēng)險(xiǎn)管理現(xiàn)狀提出一些建設(shè)性意見,促進(jìn)支行中小企業(yè)貸款業(yè)務(wù)健康、快速發(fā)展。 本文主要分為三部分,第一部分是介紹選題背景及研究意義,以及目前國內(nèi)外對該課題的研究現(xiàn)狀；第二部分介紹中小企業(yè)貸款的相關(guān)概念,并深入剖析中小企業(yè)貸款風(fēng)險(xiǎn)的類型及風(fēng)險(xiǎn)控制方法；第三部分是通過分析和研究S支行中小企業(yè)業(yè)務(wù)現(xiàn)狀,分析其在中小企業(yè)貸款風(fēng)險(xiǎn)管理工作中存在的問題。針對內(nèi)部組織結(jié)構(gòu)和信貸管理體制相對落后現(xiàn)象,提出了完善銀行內(nèi)部組織結(jié)構(gòu)的具體解決方案,包括成立中小企業(yè)業(yè)務(wù)中心、組建專業(yè)化隊(duì)伍以及推廣信貸工廠模式,從而提高貸后突發(fā)事件處理效率,穩(wěn)定團(tuán)隊(duì)人員配備,從而使銀行內(nèi)部組織結(jié)構(gòu)更加完善；針對中小企業(yè)貸款風(fēng)險(xiǎn)控制機(jī)制不完善現(xiàn)象,提出了完善貸前風(fēng)險(xiǎn)調(diào)查和貸后管理體系建設(shè)的方案,將風(fēng)險(xiǎn)控制貫穿貸款始終；針對過度依賴傳統(tǒng)資金管理模式及擔(dān)保方式問題,針對不同類型的企業(yè)提出了個(gè)性化擔(dān)保方式及貸后管理模式解決方案。
[Abstract]:As the main body of economic activities, small and medium-sized enterprises (SMEs) have been an important driving force for the economic development of our country and play a vital role in economic development. Small and medium-sized enterprises not only have outstanding contributions in tax revenue and employment, but also have been paid more and more attention to by the country because of the promotion of economic globalization, the enhancement of the management and management ability of some small and medium-sized enterprises, and the outstanding ability of technological innovation. However, the difficulty of financing has always been one of the important factors restricting the development of small and medium-sized enterprises. At present, bank loans have become the main financing method for SMEs. How to control the loan risk of small and medium-sized enterprises is of great significance to commercial banks. This paper analyzes the loan risk of small and medium-sized enterprises, points out the main risks of the loan business of small and medium-sized enterprises in S branch of Bank of China for many years, and probes into the reasons for the formation of the risk. Finally, some constructive suggestions are put forward to improve the loan risk management status of small and medium-sized enterprises in S Sub-branch, and to promote the healthy and rapid development of loan business of small and medium-sized enterprises. This paper is divided into three parts, the first part is to introduce the background and research significance of the topic, and the current domestic and foreign research on the subject; the second part introduces the related concepts of SME loans. The third part is to analyze and study the business situation of S branch small and medium-sized enterprises, and analyze the existing problems in the management of loan risk of small and medium-sized enterprises. In view of the relative backwardness of internal organizational structure and credit management system, this paper puts forward concrete solutions to improve the internal organizational structure of banks, including setting up a business center for small and medium-sized enterprises, forming a specialized team and promoting the mode of credit factory. In order to improve the efficiency of post-loan emergencies, stabilize the staffing of the team, make the internal organizational structure of the bank more perfect; in view of the SMEs loan risk control mechanism is not perfect, This paper puts forward the scheme of perfecting the pre-loan risk investigation and the construction of the post-loan management system, which runs through the loan and overdependence on the traditional fund management mode and the guarantee mode. For different types of enterprises, the solution of individualized guarantee mode and post-loan management mode is put forward.
【學(xué)位授予單位】：大連理工大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2014
【分類號】：F276.3;F832.4

【參考文獻(xiàn)】

相關(guān)期刊論文 前10條

1 張溪恰;;淺析中小企業(yè)貸款的風(fēng)險(xiǎn)控制[J];環(huán)渤海經(jīng)濟(jì)w，

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