【摘要】：中小企業(yè)作為社會(huì)經(jīng)濟(jì)中最具有活力與生機(jī)的團(tuán)體,已然成為中國(guó)經(jīng)濟(jì)增長(zhǎng)的重要組成部分。中小企業(yè)要保持快速上升的態(tài)勢(shì),只依靠自身積累是遠(yuǎn)遠(yuǎn)夠不到要求的,必須依靠于外部融資的支持,當(dāng)中銀行貸款是主要的資金來源渠道,但目前來說多數(shù)中小企業(yè)融資困難則是普遍存在的事情,這主要原因是因?yàn)橹行∑髽I(yè)個(gè)體運(yùn)營(yíng)風(fēng)險(xiǎn)較高,信貸風(fēng)險(xiǎn)掌控難度高,管理成本大,所以導(dǎo)致了銀行普遍對(duì)中小企業(yè)的貸款恐懼。因此,對(duì)于中小企業(yè)信貸風(fēng)險(xiǎn)的管理具有重大的意義。對(duì)中小企業(yè)的信貸風(fēng)險(xiǎn)管理提出相關(guān)策略,使信貸風(fēng)險(xiǎn)得以有效控制,對(duì)如何在發(fā)展過程中較好的滿足中小企業(yè)的發(fā)展需求以及遇到資金方面的瓶頸等問題顯得尤為重要。本文開始從相關(guān)理論著手,說明了國(guó)有商業(yè)銀行信貸風(fēng)險(xiǎn)、信貸風(fēng)險(xiǎn)管理等概念的實(shí)際意義,然后運(yùn)用理論結(jié)合實(shí)際的分析方法對(duì)ABC銀行高唐支行中小企業(yè)信貸業(yè)務(wù)發(fā)展?fàn)顩r及風(fēng)險(xiǎn)管理情況,商業(yè)銀行采取了一系列的管理風(fēng)險(xiǎn)措施,但中小企業(yè)信貸風(fēng)險(xiǎn)管理仍然存在不少的問題。ABC銀行高唐支行目前存在管理體系不完善、風(fēng)險(xiǎn)評(píng)估機(jī)制不合理、信貸風(fēng)險(xiǎn)控制能力差、信貸品種單一、專業(yè)人員素質(zhì)低等問題,而產(chǎn)生這些問題的原因主要有中小企業(yè)自身因素及銀行因素,最后又從調(diào)整組織結(jié)構(gòu)、優(yōu)化操作流程、完備信貸風(fēng)險(xiǎn)檢查體系、完備信用擔(dān)保體系、加強(qiáng)對(duì)信貸工作人員的培訓(xùn)、對(duì)信貸產(chǎn)品創(chuàng)新等方面提出合理化建議。
[Abstract]:As the most dynamic and vital group in social economy, SMEs have become an important part of China's economic growth. If small and medium-sized enterprises want to maintain a rapid upward trend, it is far from enough for them to rely only on their own accumulation. They must rely on the support of external financing, among which bank loans are the main source of funds. However, at present, most SMEs have difficulty in financing. This is mainly due to the high risk of individual operation of SMEs, the high difficulty in managing credit risks, and the high management costs. As a result, banks are generally afraid of lending to small and medium-sized enterprises. Therefore, for small and medium-sized enterprises credit risk management has great significance. In order to control the credit risk effectively, it is very important for the SMEs to meet the development needs and meet the bottleneck of capital in the process of development, and put forward the relevant strategies for the credit risk management of the small and medium-sized enterprises, so that the credit risk can be effectively controlled. This paper begins with the relevant theories, and explains the practical significance of the concepts of credit risk and credit risk management of state-owned commercial banks. Then using the theory combined with the actual analysis method to the ABC Bank Gaotang Branch SME credit business development and risk management situation, commercial banks have taken a series of risk management measures. However, there are still many problems in the credit risk management of small and medium-sized enterprises. At present, the management system is not perfect, the risk assessment mechanism is unreasonable, the credit risk control ability is poor, and the credit variety is single. The causes of these problems are mainly small and medium-sized enterprises' own factors and bank factors. Finally, from the aspects of adjusting the organizational structure, optimizing the operation process, perfecting the credit risk inspection system, and perfecting the credit guarantee system, Strengthen the training of credit staff, credit product innovation and other aspects of rationalization proposals.
【學(xué)位授予單位】：山東理工大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2017
【分類號(hào)】：F832.4;F276.3

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