商业银行对中小企业授信的风险管理研究

发布时间：2018-05-13 02:30

本文选题：商业银行 + 中小企业　；参考：《天津商业大学》2013年硕士论文

【摘要】：随着我国对外开放的纵深推进和市场经济的快速发展,商业银行那种以信贷资产扩张为基本特征的传统发展模式越来越不适应当前形势的需要,这迫切需要商业银行调整传统的经营模式,走出一条较低资本消耗、较高经营效益的发展新路子。调整信贷结构,加大对中小企业授信的力度就是一个不错的选择。但是,中小企业授信市场的拓展,必然伴随着较高的信贷风险。因而,我国商业银行通过管理机制和技术方法的引进和创新,建立起一套切实有效的中小企业授信风险管理体系以实现收益和风险之间最佳的利益平衡,具有十分重要的现实意义。本文从介绍商业银行授信业务及其存在的风险入手,阐明了商业银行对中小企业授信的风险管理现状,深入分析了其存在的主要问题,并对商业银行相关的主要风险管理手段进行了准确性和稳定性检验,然后在借鉴外国相关授信风险管理经验的基础上,提出了加强商业银行中小企业授信风险管理的主要对策,以期为促进我国商业银行的可持续发展提供指导。
[Abstract]:With the deepening of China's opening to the outside world and the rapid development of the market economy, the traditional development model of commercial banks, characterized by the expansion of credit assets, is becoming less and less suitable for the needs of the current situation. It is urgent for the commercial banks to adjust the traditional management mode and take a new way of developing with lower capital consumption and higher operating efficiency. Adjust the credit structure, increase the strength of granting credit to small and medium-sized enterprises is a good choice. However, the expansion of SME credit market must be accompanied by higher credit risk. Therefore, through the introduction and innovation of management mechanism and technical methods, Chinese commercial banks establish a set of effective credit risk management system for small and medium-sized enterprises in order to achieve the best benefit balance between profit and risk. It has very important practical significance. Starting with the introduction of commercial bank credit business and its existing risks, this paper expounds the present situation of commercial bank credit management for small and medium-sized enterprises, and deeply analyzes the main problems existing in it. The paper also examines the accuracy and stability of the main risk management methods related to commercial banks, and then puts forward the main countermeasures to strengthen the credit risk management of small and medium-sized enterprises in commercial banks on the basis of drawing lessons from the experience of foreign related credit risk management. In order to promote the sustainable development of commercial banks in China to provide guidance.
【学位授予单位】：天津商业大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F832.4

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