河南省商业银行中小企业信贷风险管理研究

发布时间：2018-04-14 18:12

  本文选题：中小企业融资 + 商业银行信贷风险　； 参考：《郑州大学》2013年硕士论文

【摘要】：中小企业不仅在社会经济发展中扮演着重要的角色,在我国国民经济总体中也占据着很重要的经济地位。在我国,扶持中小企业持续健康稳定成长的经济问题和管理问题尤为重要。随着我国市场经济体制改革不断深化,如何更好的服务中小企业产业升级和发展,已成为政府和金融机构面临的重大问题。 《中小企业促进法》第15条就明确指出：各金融机构应当对中小企业提供金融支持,努力改进金融服务,转变服务作风,增强服务意识,提高服务质量。但是,由于中小企业本身普遍存在着信用程度低、资本金不足、报表真实性低、规范管理差等风险问题,商业银行对中小企业的信贷业务都不看好,导致中小企业信贷融资渠道极其狭窄。2008美国“次贷危机”的爆发开始,经济金融危机席卷全球,我国中小企业更是受到了严重的打击,融资问题成为阻碍中小企业发展的桎梏。作为中小企业主要融资渠道,商业银行如何防范风险的同时助力中小企业也成为热议的话题。 目前国内外学者主要是从中小企业的外部融资环境、内部经营环境等方面去对中小企业信贷风险因素进行分析,大多数研究都停留在宏观层面,且研究只是宽泛的描述与概括,而缺少从银行微观主体的角度出发,分析和挖掘中小企业信贷风险产生的原因与控制机理,并提出有效的解决方法与途径的研究。本文试图以各位前人学者对中小企业信贷融资风险及其相关理的研究基础之上,以商业银行的视角出发,按照商业银行信贷业务贷前、贷中和贷后管理的流程顺序,逐步对商业银行中小企业信贷风险管理过程中的具体方法和制度、体制多方面潜在问题进行探索和分析,在此基础上提出符合我省省情的中小企业信用评级体系,反映我省中小企业信贷业务现状的贷款定价方法,从而为解决中小企业信贷融资难问题寻觅有效方法。
[Abstract]:Small and medium-sized enterprises not only in the social and economic development plays an important role in China's national economy overall also occupies a very important economic status. In our country, to support small and medium enterprises sustained and healthy and stable growth of the economy and management issues is particularly important. Along with our country market economy unceasing deepening of economic system reform, how to better the small and medium-sized enterprise service industry upgrading and development, has become a major problem facing the government and financial institutions.
"SME Promotion Law > fifteenth clearly pointed out: the financial institutions shall provide financial support to small and medium-sized enterprises, make efforts to improve financial service, change the style of service, enhance service awareness, improve the quality of service. However, due to the small and medium-sized enterprise itself exists credit degree is low, lack of capital, low risk statement authenticity. Poor management norms, the commercial bank credit business for small and medium-sized enterprises are not optimistic about the outbreak of the credit financing channel of small and medium-sized enterprises is extremely narrow.2008" subprime mortgage crisis ", the economic and financial crisis swept the world, small and medium-sized enterprises in China is also suffered a serious blow, financing problems become an obstacle to the development of small and medium-sized enterprises as the shackles. The main financing channels for small and medium enterprises, commercial banks to prevent risks and help small and medium enterprises has become a hot topic.
At present, domestic and foreign scholars are mainly from the small and medium-sized enterprise external financing environment and internal business environment and other aspects to the SME credit risk factors, most studies have focused on the macro level, and the study is a broad description and generalization, and the lack of starting from the bank micro perspective, analysis and reason and control mechanism of small and medium-sized mining the enterprise credit risks, and puts forward the approaches to effective solutions. This paper attempts to above to all previous scholars of the SME credit risk and its related science research foundation, the commercial bank perspective, according to the credit business of commercial bank loans, loans and credits in the process of order management, specific methods and the system gradually to commercial banks SMEs credit risk management in the process of exploration and analysis system of many potential problems, on this basis. A credit rating system suitable for our province is put forward, which is a loan pricing method reflecting the current situation of SME credit business in our province, so as to find effective ways to solve the problem of SME credit and financing.

【学位授予单位】：郑州大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.4;F276.3

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