本文選題：經(jīng)營貸款 + 銀行�。� 參考：《中國海洋大學(xué)》2014年碩士論文

【摘要】：國內(nèi)外經(jīng)濟(jì)發(fā)展的經(jīng)驗表明，在經(jīng)濟(jì)發(fā)展中數(shù)量眾多的中小企業(yè)發(fā)揮著非常重要的作用。建行青島市分行最先發(fā)力中小企業(yè)，在短暫的四年里，非貼現(xiàn)貸款余額增長了近6倍、突破了120億元。但是隨著業(yè)務(wù)的拓展，建行青島市分行中小企業(yè)融資業(yè)務(wù)的增長速度正在逐漸放緩，并且中小企業(yè)信貸風(fēng)險案件不斷爆發(fā)，中小企業(yè)信貸資產(chǎn)不良率逐漸升高，中小企業(yè)貸后管理難度加大。本文從建行青島市分行中小企業(yè)信貸業(yè)務(wù)的概況、現(xiàn)行中小企業(yè)的融資現(xiàn)狀、最新信貸流程、風(fēng)險控制流程等方面介紹了建行青島市分行的中小企業(yè)信貸業(yè)務(wù)發(fā)展現(xiàn)狀。本文選取青島建行A支行服務(wù)的中小企業(yè)作為研究對象，在初步調(diào)查了解青島建行的中小企業(yè)信貸資產(chǎn)質(zhì)量狀況下，通過對A支行選取的有信貸業(yè)務(wù)的中小企業(yè)的樣本數(shù)據(jù)分析，歸納整理中小企業(yè)經(jīng)營貸款不良率較高的原因，結(jié)合國內(nèi)外關(guān)于銀行風(fēng)險管理的相關(guān)理論知識，，研究中小企業(yè)經(jīng)營貸款不良率高的成因，在現(xiàn)有信貸風(fēng)控制度的基礎(chǔ)上提出建立中小企業(yè)經(jīng)營貸款質(zhì)押跟蹤系統(tǒng)的對策建議。
[Abstract]:The experience of economic development at home and abroad shows that a large number of small and medium-sized enterprises play a very important role in economic development. China Construction Bank Qingdao Branch was the first to launch small and medium-sized enterprises. In a short period of four years, the balance of non-discounted loans increased nearly sixfold, exceeding 12 billion yuan. However, with the expansion of business, the growth rate of SME financing business in Qingdao Branch of CCB is gradually slowing down, and the SME credit risk cases continue to erupt, and the credit assets of SMEs are gradually rising. Small and medium-sized enterprises after loan management difficulty. This paper introduces the development status of credit business of small and medium-sized enterprises in Qingdao Branch of China Construction Bank from the following aspects: the general situation of SME credit business, the current financing situation of SMEs, the latest credit process, the risk control process, and so on. In this paper, the small and medium-sized enterprises served by Qingdao Construction Bank A Branch are selected as the research objects, and the credit asset quality of the small and medium-sized enterprises of Qingdao Construction Bank is preliminarily investigated. By analyzing the sample data of small and medium-sized enterprises with credit business selected by Sub-branch A, the paper summarizes the reasons for the high loan failure rate of small and medium-sized enterprises, and combines the relevant theoretical knowledge of bank risk management at home and abroad. This paper studies the causes of the high operating loan failure rate of SMEs, and puts forward some countermeasures and suggestions for establishing a tracking system of loan pledge for SMEs on the basis of the existing credit style control degree.
【學(xué)位授予單位】：中國海洋大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2014
【分類號】：F832.4;F276.3

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