【摘要】：中小企業(yè)在我國經(jīng)濟(jì)結(jié)構(gòu)中、產(chǎn)品創(chuàng)新和就業(yè)等方面都有著不可估量的作用。然而，在實際的發(fā)展中，由于金融機構(gòu)為中小企業(yè)所作出的種種限制，使得中小企業(yè)自身融資難問題非常突出。對中小企業(yè)貸款業(yè)務(wù)風(fēng)險進(jìn)行研究，目的在于通過對白山八道江支行的貸款業(yè)務(wù)風(fēng)險管理問題的分析，提出解決我國建行中小企業(yè)貸款風(fēng)險管理實際問題的對策。由于我國中小企業(yè)作為我國企業(yè)的一個主要的組成部分，它的發(fā)展對我國經(jīng)濟(jì)有著不可磨滅的貢獻(xiàn)。作為基層銀行，應(yīng)該如何為中小企業(yè)進(jìn)行貸款業(yè)務(wù)服務(wù)，才能夠在滿足中小企業(yè)資金需要的基礎(chǔ)上，使得自身的貸款業(yè)務(wù)也維持在可控的風(fēng)險范圍內(nèi)，避免貸款業(yè)務(wù)風(fēng)險過高而給基層銀行帶來不可估量的損失。將貸款業(yè)務(wù)維持在銀行可控的風(fēng)險預(yù)期內(nèi)，又能加大對中小企業(yè)的支持力度，對于建行白山八道江支行來說，由于中小企業(yè)貸款面臨著較大的風(fēng)險，八道江支行所積累的貸款業(yè)務(wù)風(fēng)險管理能力并不強，需要根據(jù)其實際的貸款業(yè)務(wù)風(fēng)險管理得出相應(yīng)的經(jīng)驗，將其上升為理論層面的東西，為基層銀行的貸款業(yè)務(wù)風(fēng)險管理提供相應(yīng)的指導(dǎo)。同時，作為一個基本的樣本，八道江支行的中小企業(yè)貸款業(yè)務(wù)風(fēng)險管理，，其存在的問題，可以作為其他基層銀行中小企業(yè)貸款業(yè)務(wù)管理的主要借鑒，幫助更多具有同類問題的基層銀行解決其實際問題。 本研究主體共分五個部分。第一部分分析研究的背景及意義，對國內(nèi)外關(guān)于中小企業(yè)貸款風(fēng)險管理方面的發(fā)展進(jìn)行總結(jié)，回答為什么要研究該課題。第二部分商業(yè)銀行貸款風(fēng)險管理理論，圍繞著商業(yè)銀行貸款風(fēng)險與貸款風(fēng)險管理、貸款風(fēng)險預(yù)警管理搭建起本課題的理論結(jié)構(gòu)體系。第三部分吉林省建行白山八道江支行中小企業(yè)貸款風(fēng)險預(yù)警管理現(xiàn)狀，介紹該支行的發(fā)展情況和中小企業(yè)貸款業(yè)務(wù)的開展情況，揭示該支行中小企業(yè)貸款風(fēng)險管理存在的問題及原因。第四部分針對上述分析的中小企業(yè)貸款風(fēng)險的管理問題，提出構(gòu)建完善的中小企業(yè)信用評級體系、構(gòu)建有效的中小企業(yè)貸款風(fēng)險預(yù)警系統(tǒng)、改善中小企業(yè)貸款的擔(dān)保環(huán)境等對策。最后為結(jié)論，主要對研究進(jìn)行總結(jié)，分析研究的適用性和不足之處。
[Abstract]:Small and medium-sized enterprises play an inestimable role in the economic structure of our country, such as product innovation and employment. However, in the actual development, due to the financial institutions for small and medium-sized enterprises made a variety of restrictions, making SMEs own financing difficulties are very prominent. The purpose of this paper is to analyze the risk management of loan business in Baishan Badaojiang Branch, and to put forward some countermeasures to solve the practical problem of loan risk management in small and medium-sized enterprises of China Construction Bank. As a main component of Chinese enterprises, the development of SMEs has made an indelible contribution to our economy. As a grass-roots bank, how should we provide loan services for small and medium-sized enterprises in order to meet the capital needs of small and medium-sized enterprises and keep their lending business within a controllable risk range? Avoid loan business risk is too high and bring incalculable loss to the basic bank. Keeping the loan business within the expectation of a bank's controllable risk can also increase support for small and medium-sized enterprises. For the Baishan Badaojiang Branch of China Construction Bank, the loans for SMEs are facing greater risks. The Badaojiang Branch has not accumulated strong ability to manage the risk of loan business, so it is necessary to get corresponding experience according to its actual loan business risk management, and to raise it to a theoretical level. To provide the corresponding guidance for the loan business risk management of the grass-roots bank. At the same time, as a basic sample, the risk management of the SME loan business in the Badaojiang Branch can be used as a major reference for other grass-roots banks in the management of SME loan business. To help more grassroots banks with similar problems to solve their practical problems. The main body of this study is divided into five parts. The first part analyzes the background and significance of the research, summarizes the development of SMEs loan risk management at home and abroad, and answers why to study the subject. The second part of the commercial bank loan risk management theory, around the commercial bank loan risk and loan risk management, loan risk early warning management set up the theoretical structure of the subject. The third part introduces the current situation of the early-warning management of loan risk of small and medium-sized enterprises in Baishan Badaojiang Branch of Jilin Province, and introduces the development of the branch and the development of loan business of small and medium-sized enterprises. This paper reveals the problems and causes of loan risk management in this branch. In the fourth part, according to the above analysis of SMEs loan risk management problems, proposed to build a sound credit rating system for SMEs, build an effective SME loan risk early warning system, Improve the loan guarantee environment of small and medium-sized enterprises and other countermeasures. Finally, the conclusion is summarized, and the applicability and deficiency of the study are analyzed.
【學(xué)位授予單位】：吉林大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2014
【分類號】：F832.4;F276.3

【參考文獻(xiàn)】

相關(guān)期刊論文 前4條

1 彭建剛;張麗寒;劉波;屠海波;;聚合信用風(fēng)險模型在我國商業(yè)銀行應(yīng)用的方法論探討[J];金融研究;2008年08期

2 高風(fēng)彥,佘廉;企業(yè)營銷組織的風(fēng)險模糊評價與預(yù)警管理[J];武漢交通科技大學(xué)學(xué)報;2000年02期

3 蘇躍輝;閆雪飛;;阿里金融模式發(fā)展研究[J];合作經(jīng)濟(jì)與科技;2013年23期

4 宋先道;;具有預(yù)警功能的顧客滿意度數(shù)學(xué)模型研究[J];武漢理工大學(xué)學(xué)報;2007年07期

相關(guān)博士學(xué)位論文 前1條

1 尹丹莉;我國中小企業(yè)融資問題研究[D];天津財經(jīng)大學(xué);2009年

本文編號：2131012