本文選題：信貸風險管理 + 中小企業(yè)　； 參考：《山東理工大學》2017年碩士論文

【摘要】：目前,中小企業(yè)這一群體已成為我國國民經(jīng)濟發(fā)展的重要支撐,我國政府自2014年以來多次針對中小企業(yè)發(fā)展問題進行專題研究,可見政府對中小企業(yè)的重視程度。不同于大型企業(yè)擁有廣闊的融資渠道,中小企業(yè)一般只能依靠金融機構(gòu)解決資金短缺的困難,因此在大多數(shù)商業(yè)銀行中,中小企業(yè)在企業(yè)信貸資產(chǎn)結(jié)構(gòu)中所占比重較大,是各商業(yè)銀行重要的利潤來源。但由于中小企業(yè)普遍存在于產(chǎn)業(yè)鏈的下端,隨著生產(chǎn)成本的不斷提升,傳統(tǒng)行業(yè)中的中小企業(yè)的經(jīng)營利潤逐漸被攤薄,伴隨著實體經(jīng)濟下行的環(huán)境變化,許多中小企業(yè)出現(xiàn)了生產(chǎn)經(jīng)營困難的甚至關(guān)停的現(xiàn)象,同時引發(fā)了一連串的信貸風險。本文站在ZBNY銀行的角度,結(jié)合筆者在ZBNY銀行中小企業(yè)信貸業(yè)務風險管理中實際工作經(jīng)驗,從中小企業(yè)信貸風險來源入手,通過實際案例詳細解析了該行中小企業(yè)信貸風險管理體系和信貸業(yè)務流程,探討了該行目前在中小企業(yè)信貸業(yè)務風險管理中面臨的諸多實際問題,并針對這類問題提出了一系列的信貸風險管理優(yōu)化方案和保障措施。希望本次研究成果能夠為該行在未來的中小企業(yè)信貸風險管理工作提供一定的幫助。
[Abstract]:At present, small and medium-sized enterprises (SMEs) have become an important support for the development of our national economy. Since 2014, our government has carried out a number of special studies on the development of small and medium-sized enterprises (SMEs), which shows that the government attaches importance to small and medium-sized enterprises (SMEs). Unlike large enterprises with broad financing channels, small and medium-sized enterprises can only rely on financial institutions to solve the difficulties of capital shortage. Therefore, in most commercial banks, small and medium-sized enterprises account for a large proportion in the structure of enterprise credit assets. Commercial banks are an important source of profit. However, as SMEs generally exist at the lower end of the industrial chain, with the continuous improvement of production costs, the operating profits of SMEs in the traditional industries are gradually diluted, which is accompanied by the downward environmental changes in the real economy. Many small and medium-sized enterprises appear the production and management difficulty even shut down phenomenon, at the same time caused a series of credit risk. From the perspective of ZBNY Bank, combining the author's practical work experience in the credit risk management of small and medium-sized enterprises of ZBNY Bank, this paper starts with the source of credit risk of small and medium-sized enterprises. Through practical cases, this paper analyzes the credit risk management system and the credit business process of the bank in detail, and probes into many practical problems that the bank is facing in the management of the credit risk of the small and medium-sized enterprises. And put forward a series of credit risk management optimization plan and safeguard measure to this kind of problem. Hope this research result can provide certain help for the bank in the future small and medium-sized enterprise credit risk management work.
【學位授予單位】：山東理工大學
【學位級別】：碩士
【學位授予年份】：2017
【分類號】：F832.4;F276.3

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本文編號：2021791