【摘要】：中小企業(yè)信貸風(fēng)險管理體系是銀行經(jīng)營信貸業(yè)務(wù)的重要組成部分,在市場經(jīng)濟(jì)發(fā)展大環(huán)境中,隨著我國社會主義市場經(jīng)濟(jì)體制改革的不斷深化發(fā)展及國家不斷出臺相關(guān)政策支持中小企業(yè)發(fā)展的大背景下,中小企業(yè)的融資難、中小企業(yè)貸款不良率的逐年上升、中小企業(yè)信貸風(fēng)險管理的漏洞頻出等不僅給銀行造成巨大的損失,也嚴(yán)重?fù)p害了銀行的聲譽,給銀行的發(fā)展帶來了極大壓力。因此,如何有效構(gòu)建中小企業(yè)信貸風(fēng)險管理體系,減少經(jīng)濟(jì)損失,降低聲譽風(fēng)險,已成為商業(yè)銀行亟待解決的問題。本文主要研究建行H分行中小企業(yè)信貸風(fēng)險管理,分析中小企業(yè)信貸風(fēng)險以及重新構(gòu)建建行H分行中小企業(yè)信貸風(fēng)險管理體系。首先研究建行H分行中小企業(yè)信貸風(fēng)險管理現(xiàn)狀,特別是中小企業(yè)信貸業(yè)務(wù)開展情況,原有的中小企業(yè)信貸風(fēng)險管理情況介紹;其次研究建行H分行中小企業(yè)信貸風(fēng)險管理中存在的問題及根源和原有體系存在的問題;再次在研究和分析建行H分行中小企業(yè)信貸風(fēng)險以及風(fēng)險管理現(xiàn)狀的情況下,結(jié)合國內(nèi)外先進(jìn)中小企業(yè)信貸風(fēng)險管理方法構(gòu)建新的中小企業(yè)信貸風(fēng)險管理體系;然后提出保障中小企業(yè)信貸風(fēng)險管理體系得以有效運行的具體措施,從而降低中小企業(yè)信貸風(fēng)險的產(chǎn)生。
[Abstract]:The credit risk management system of small and medium-sized enterprises is an important part of the credit business of banks. In the environment of the development of market economy, with the deepening of the reform of socialist market economy system in our country and the continuous introduction of relevant policies to support the development of small and medium-sized enterprises, the financing of small and medium-sized enterprises is difficult, and the rate of poor loans of small and medium-sized enterprises is rising year by year. The loopholes in credit risk management of small and medium-sized enterprises not only cause great losses to banks, but also seriously damage the reputation of banks and bring great pressure to the development of banks. Therefore, how to effectively construct the credit risk management system of small and medium-sized enterprises, reduce economic losses and reduce reputation risk has become an urgent problem for commercial banks. This paper mainly studies the credit risk management of small and medium-sized enterprises in CCB H Branch, analyzes the credit risk of small and medium-sized enterprises and reconstructs the credit risk management system of small and medium-sized enterprises in CCB H Branch. Firstly, this paper studies the present situation of credit risk management of small and medium-sized enterprises in CCB H Branch, especially the development of credit business of small and medium-sized enterprises, and introduces the original credit risk management of small and medium-sized enterprises. Secondly, it studies the existing problems and root causes of credit risk management of small and medium-sized enterprises in Branch H of CCB and the problems existing in the original system. Thirdly, under the condition of studying and analyzing the credit risk and risk management of small and medium-sized enterprises in CCB H Branch, combining with the advanced credit risk management methods of small and medium-sized enterprises at home and abroad, the new credit risk management system of small and medium-sized enterprises is constructed, and then the concrete measures to ensure the effective operation of credit risk management system of small and medium-sized enterprises are put forward, so as to reduce the emergence of credit risk of small and medium-sized enterprises.
【學(xué)位授予單位】：哈爾濱工程大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2014
【分類號】：F832.4

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