本文關(guān)鍵詞： 蘇州建行 中小企業(yè) 風(fēng)險(xiǎn)導(dǎo)向 差別化　出處：《蘇州大學(xué)》2013年碩士論文　論文類型：學(xué)位論文

【摘要】：近年來，面對嚴(yán)峻復(fù)雜的國內(nèi)外經(jīng)濟(jì)形勢，蘇州經(jīng)濟(jì)社會(huì)保持了平衡發(fā)展態(tài)勢，這與蘇州市眾多的中小企業(yè)保持良好發(fā)展密不可分。蘇州建行針對當(dāng)?shù)亟?jīng)濟(jì)發(fā)展特點(diǎn)，在面臨激烈的市場競爭的情況下，，把中小企業(yè)信貸業(yè)務(wù)作為重點(diǎn)業(yè)務(wù)之一進(jìn)行開展，在中小企業(yè)信貸客戶數(shù)、中小企業(yè)信貸投入等方面均保持了快速增長。同時(shí)蘇州建行在中小企業(yè)信貸產(chǎn)品創(chuàng)新、差別化經(jīng)營上也進(jìn)行了有益的探索，推出了“速貸通”、“成長之路”、“現(xiàn)金通、互助通”等差別化信貸產(chǎn)品，但在中小企業(yè)信貸業(yè)務(wù)中也遇到了瓶頸制約，特別是在經(jīng)濟(jì)下行周期，中小企業(yè)信貸風(fēng)險(xiǎn)不斷暴露一定程度上影響了中小企業(yè)信貸業(yè)務(wù)的發(fā)展。因此，研究風(fēng)險(xiǎn)導(dǎo)向型差別化信貸策略在蘇州建行中小企業(yè)信貸業(yè)務(wù)中的運(yùn)用就顯得重要又急迫。 本文從蘇州建行在中小企業(yè)信貸業(yè)務(wù)中運(yùn)用風(fēng)險(xiǎn)導(dǎo)向型差別化信貸策略的背景及意義出發(fā)，參考了中外學(xué)者關(guān)于商業(yè)銀行在信貸風(fēng)險(xiǎn)管理、中小企業(yè)信貸產(chǎn)品創(chuàng)新、商業(yè)銀行支持中小企業(yè)信貸策略等方面理論分析，在生命周期理論、信息不對稱理論、產(chǎn)業(yè)集群理論，風(fēng)險(xiǎn)導(dǎo)向和差別化策略等理論基礎(chǔ)上，通過對蘇州中小企業(yè)融資特點(diǎn)、蘇州建行中小企業(yè)信貸業(yè)務(wù)現(xiàn)狀、存在的問題及產(chǎn)生的原因分析，提出蘇州建行中小企業(yè)信貸業(yè)務(wù)中運(yùn)用風(fēng)險(xiǎn)導(dǎo)向型差別化信貸策略的設(shè)計(jì)和實(shí)施措施。
[Abstract]:In recent years, in the face of severe and complex domestic and international economic situation, Suzhou's economic and social development has maintained a balanced trend. This is closely related to the good development of many small and medium-sized enterprises in Suzhou. Suzhou Construction Bank is facing fierce market competition in accordance with the characteristics of local economic development. Small and medium-sized enterprises credit business as one of the key business to carry out, in the number of SME credit customers. At the same time, Suzhou Construction Bank has carried on the beneficial exploration in the small and medium-sized enterprise credit product innovation, the differential management, has launched "the quick loan link", "the growth road". "Cash, mutual aid" and other differentiated credit products, but in the SME credit business also encountered bottlenecks, especially in the economic downturn cycle. The exposure of SME credit risk to some extent affects the development of SME credit business. It is important and urgent to study the application of risk-oriented differential credit strategy in the small and medium-sized credit business of Suzhou Construction Bank. Based on the background and significance of Suzhou Construction Bank's application of risk-based differential credit strategy in the credit business of small and medium-sized enterprises, this paper makes reference to the domestic and foreign scholars on the credit risk management of commercial banks. Small and medium-sized enterprises credit product innovation, commercial banks support SME credit strategy and other aspects of theoretical analysis, in life cycle theory, information asymmetry theory, industrial cluster theory. On the basis of the theory of risk orientation and differential strategy, through the financing characteristics of Suzhou small and medium-sized enterprises, Suzhou Construction Bank SMEs credit business status, existing problems and causes of analysis. This paper puts forward the design and implementation measures of risk-oriented differential credit strategy in the credit business of Suzhou Construction Bank.
【學(xué)位授予單位】：蘇州大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2013
【分類號】：F276.3;F832.4

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本文編號：1466020