【摘要】：商業(yè)銀行的業(yè)務(wù)分為資產(chǎn)、負(fù)債和中間業(yè)務(wù)，，其中資產(chǎn)和中間業(yè)務(wù)為利潤(rùn)之源，就目前我國(guó)商業(yè)銀行總體情況來(lái)看，中間業(yè)務(wù)收入占我總收入中的所占份額較國(guó)外差距較大，貸款業(yè)務(wù)仍然是商業(yè)銀行資產(chǎn)的重要組成部分，貸款利息收入仍是一項(xiàng)最重要的收入來(lái)源，因而貸款業(yè)務(wù)的管理也就成為商業(yè)銀行管理的重中之重。在當(dāng)前金融“脫媒”和“利率市場(chǎng)化”進(jìn)程不斷加快的趨勢(shì)下，為了響應(yīng)銀監(jiān)會(huì)支持中小企業(yè)發(fā)展的號(hào)召，基于鞍山銀行關(guān)于發(fā)展中小企業(yè)業(yè)務(wù)的需求，也鑒于騰鰲支行自身業(yè)務(wù)拓展的需要，故大力發(fā)展中小企業(yè)業(yè)務(wù)已成為騰鰲支行的當(dāng)務(wù)之急。在這樣的背景下，展開(kāi)對(duì)鞍山銀行騰鰲支行（以下簡(jiǎn)稱(chēng)“騰鰲支行”）發(fā)展中小企業(yè)貸款業(yè)務(wù)的研究具有十分重要的現(xiàn)實(shí)意義。本文首先分析了騰鰲支行中小企業(yè)貸款業(yè)務(wù)的發(fā)展現(xiàn)狀及其存在問(wèn)題。重點(diǎn)圍繞對(duì)和豐公司貸款業(yè)務(wù)進(jìn)行深入研究，并通過(guò)對(duì)貸款的過(guò)程、風(fēng)險(xiǎn)評(píng)估、審批情況以及貸款發(fā)放后的管理等工作的進(jìn)行梳理，找出大力開(kāi)展中小企業(yè)貸款業(yè)務(wù)中值得借鑒的經(jīng)驗(yàn)。
[Abstract]:The business of commercial banks is divided into assets, liabilities and intermediate business, in which assets and intermediate business are the source of profits. As far as the overall situation of commercial banks in our country is concerned, the share of intermediate business income in our total income is quite different from that of foreign countries. Loan business is still an important part of commercial bank assets, and loan interest income is still the most important source of income, so the management of loan business has become the most important part of commercial bank management. Under the current trend of accelerating the process of financial "disintermediation" and "interest rate marketization", in order to respond to the call of CBRC to support the development of small and medium-sized enterprises, based on the needs of Anshan Bank for the development of small and medium-sized enterprises, Also in view of Tengao Branch's own business development needs, therefore, the development of small and medium-sized business has become the top priority of Teng'ao Branch. Under this background, the research on the development of small and medium-sized enterprises loan business by Tengao Branch of Anshan Bank (hereinafter referred to as "Tengao Branch") has very important practical significance. This paper first analyzes the Tengao Branch small and medium-sized enterprises loan business development status and existing problems. Focus on the in-depth study of the loan business of Hefeng Company, and through the loan process, risk assessment, examination and approval situation and after the loan management and other work to sort out, Find out the experience that should be used for reference in developing loan business of small and medium-sized enterprises.
【學(xué)位授予單位】：遼寧科技大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2014
【分類(lèi)號(hào)】：F832.4

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