本文選題：信貸風(fēng)險(xiǎn)　切入點(diǎn)：小企業(yè)融資　出處：《昆明理工大學(xué)》2013年碩士論文　論文類型：學(xué)位論文

【摘要】：隨著中國(guó)改革開(kāi)放的步伐不斷推進(jìn)和社會(huì)主義市場(chǎng)經(jīng)濟(jì)體制建設(shè)的不斷發(fā)展完善,中小企業(yè)已經(jīng)成為我國(guó)國(guó)民經(jīng)濟(jì)增長(zhǎng)和協(xié)調(diào)運(yùn)行的中堅(jiān)力量,中小企業(yè)在對(duì)促進(jìn)國(guó)家經(jīng)濟(jì)增長(zhǎng)、增進(jìn)就業(yè)、出口創(chuàng)匯、穩(wěn)定財(cái)政收支、創(chuàng)造多元化財(cái)富等方面起到了巨大的支撐作用。世界經(jīng)濟(jì)發(fā)展規(guī)律也表明,僅有大企業(yè)的發(fā)展而沒(méi)有中小企業(yè)的發(fā)展的國(guó)家和地區(qū),是不能保持經(jīng)濟(jì)長(zhǎng)期穩(wěn)定持續(xù)增長(zhǎng)的�？墒悄壳拔覈�(guó)商業(yè)銀行給予中小企業(yè)的融資信貸額度比仍然維持在10%左右,我國(guó)中小企業(yè)融資困難,融資渠道單一、融資成本較高的現(xiàn)狀仍未得到實(shí)質(zhì)性的解決。 本文旨在立足中小企業(yè)的發(fā)展現(xiàn)狀以及融資狀況分析中小企業(yè)信貸風(fēng)險(xiǎn)及其產(chǎn)生原因,結(jié)合國(guó)內(nèi)中小企業(yè)的融資現(xiàn)狀及融資難原因展開(kāi)分析,重點(diǎn)分析商業(yè)銀行發(fā)展中小企業(yè)信貸風(fēng)險(xiǎn)控制的流程化管理及工具建設(shè),并以地方性商業(yè)銀行FD銀行的信貸風(fēng)險(xiǎn)管理流程為核心,結(jié)合FD銀行案例重點(diǎn)提出從中小企業(yè)貸款風(fēng)險(xiǎn)識(shí)別、風(fēng)險(xiǎn)控制以及改善外部環(huán)境等幾方面來(lái)有效降低中小企業(yè)貸款的風(fēng)險(xiǎn),并提出了小企業(yè)融資風(fēng)險(xiǎn)控制的具體措施與實(shí)施方案。本文的最終目的是希望針對(duì)目前中小企業(yè)信貸融資難的問(wèn)題實(shí)現(xiàn)有效突破。
[Abstract]:With the continuous progress of China's reform and opening up and the continuous development and perfection of the socialist market economic system, small and medium-sized enterprises have become the backbone of the growth and coordinated operation of our national economy. Small and medium-sized enterprises have played a huge supporting role in promoting national economic growth, increasing employment, earning foreign exchange from exports, stabilizing fiscal revenues and expenditures, and creating diversified wealth. The laws of world economic development also show that, Countries and regions with only the development of large enterprises and no development of small and medium-sized enterprises will not be able to maintain long-term stable and sustained economic growth. However, at present, the ratio of financing credit lines granted to SMEs by commercial banks in our country is still around 10%. The present situation of financing difficulty, single financing channel and high financing cost of small and medium-sized enterprises in China has not been solved substantively. The purpose of this paper is to analyze the credit risk and its causes of SMEs based on the status quo of SMEs' development and financing, combined with the financing status of domestic SMEs and the reasons of financing difficulties. The paper focuses on the process management and tool construction of the development of SME credit risk control in commercial banks, and takes the credit risk management process of FD bank as the core. Based on the FD bank case, the paper puts forward how to effectively reduce the risk of SME loan from the aspects of SME loan risk identification, risk control and improvement of external environment. The final purpose of this paper is to achieve an effective breakthrough in the current problems of small and medium-sized enterprises' credit financing.
【學(xué)位授予單位】：昆明理工大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2013
【分類號(hào)】：F275;F832.4

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本文編號(hào)：1606262