【摘要】：改革開放30多年來，中小企業(yè)已然成為我國國民經(jīng)濟(jì)發(fā)展的重要組成部分，在我國經(jīng)濟(jì)社會發(fā)展中發(fā)揮非常巨大的作用，尤其在在繁榮經(jīng)濟(jì)、推動(dòng)創(chuàng)新、擴(kuò)大出口、增加就業(yè)等方面發(fā)揮了重要作用。中小企業(yè)的發(fā)展必然離不開資金支持，而發(fā)展信貸業(yè)務(wù)也是銀行經(jīng)營的一個(gè)重要方面，在中小企業(yè)數(shù)量猛增的時(shí)代，挖掘中小企業(yè)客戶資源，開展新型信貸業(yè)務(wù)也逐漸成為各商業(yè)銀行的利潤增長點(diǎn)。如何在解決中小企業(yè)融資難問題和商業(yè)銀行拓寬中小企業(yè)業(yè)務(wù)的同時(shí)，防范信貸風(fēng)險(xiǎn)的形成，形成銀企雙贏的局面，將成為亟待研究的一個(gè)重要課題。 H銀行在唐山市成立時(shí)間較短，對唐山市場情況有一定程度上的把握，但還有待于提高，在拓展新的中小企業(yè)業(yè)務(wù)時(shí)更要注重防范信貸風(fēng)險(xiǎn)發(fā)生。本文首先從基礎(chǔ)的理論入手，介紹了中小企業(yè)的概念和風(fēng)險(xiǎn)管理的概念，，探討了國內(nèi)外信貸風(fēng)險(xiǎn)管理發(fā)展現(xiàn)狀；然后分析了信貸風(fēng)險(xiǎn)的成因，并且詳述了H銀行唐山分行中小企業(yè)信貸發(fā)展現(xiàn)狀；之后選取了比較具有代表性的某中型企業(yè)授信業(yè)務(wù)作為實(shí)際案例，對授信業(yè)務(wù)中遇到的具體問題加以分析，在貸后管理中發(fā)現(xiàn)貸款企業(yè)存在一定的風(fēng)險(xiǎn)，因此我們認(rèn)為有必要建立Logistic風(fēng)險(xiǎn)評估模型，從定量角度對貸款企業(yè)進(jìn)行風(fēng)險(xiǎn)評估，以期發(fā)現(xiàn)問題的根源，減小信貸業(yè)務(wù)中的風(fēng)險(xiǎn)；最后，綜合H銀行唐山分行的中小企業(yè)信貸業(yè)務(wù)中存在的問題和實(shí)際案例分析，從完善信貸體系建設(shè)、健全授信過程中的風(fēng)險(xiǎn)控制、完善擔(dān)保機(jī)制等方面提出相關(guān)對策建議。
[Abstract]:After more than 30 years of reform and opening up, small and medium-sized enterprises have become an important part of China's national economic development, and have played a very important role in our country's economic and social development, especially in the prosperity of the economy, the promotion of innovation, and the expansion of exports. Increasing employment and other aspects have played an important role. The development of small and medium-sized enterprises is bound to be inseparable from capital support, and the development of credit business is also an important aspect of bank management. In the era of the rapid increase in the number of small and medium-sized enterprises, the customers of small and medium-sized enterprises are excavated. Developing new credit business has gradually become the profit growth point of commercial banks. How to prevent the formation of credit risk and form a win-win situation for banks and enterprises while solving the problem of financing difficulties for small and medium-sized enterprises and broadening the business of small and medium-sized enterprises by commercial banks? It will become an important subject to be studied urgently. H Bank was established in Tangshan City for a short time and has a certain degree of assurance about the market situation in Tangshan, but it still needs to be improved. In the development of new small and medium-sized businesses should pay more attention to prevent the occurrence of credit risks. This paper begins with the basic theory, introduces the concept of small and medium-sized enterprises and the concept of risk management, discusses the present situation of credit risk management at home and abroad, and then analyzes the causes of credit risk. And detailed the status quo of credit development of small and medium-sized enterprises in Tangshan Branch of H Bank, and then selected a representative medium-sized enterprise credit business as a practical case to analyze the specific problems encountered in the credit business. We find that loan enterprises have some risks in the management of loan, so we think it is necessary to establish Logistic risk assessment model to evaluate the risk of loan enterprises from the quantitative point of view, in order to find the root of the problem and reduce the risk in the credit business. Finally, this paper synthesizes the problems existing in the credit business of small and medium-sized enterprises in Tangshan Branch of H Bank and analyzes the actual cases, and puts forward some relevant countermeasures and suggestions from the aspects of perfecting the construction of credit system, perfecting the risk control in the process of credit granting, perfecting the guarantee mechanism, and so on.
【學(xué)位授予單位】：天津大學(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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