商业银行对中小企业授信操作及风险管理的研究

发布时间：2018-07-04 22:24

本文选题：中小企业 + 商业银行　；参考：《西南交通大学》2013年硕士论文

【摘要】：当前,中小企业的迅猛发展已成为我国经济发展中不可或缺的主要力量,困扰中小企业融资难的问题受到了越来越多的关注。我国商业银行是解决中小企业融资难的首要渠道,其对中小企业融资业务的受理及风险防范的措施已成为中小企业是否能获得银行资金支持的重要依据。本文通过对中小企业现状及其融资难问题的分析,站在商业银行的角度,以商业银行为中小企业授信操作及风险防范为核心,结合P公司实际案例,提出商业银行为中小企业授信时存在的问题及风险防范的改进措施。本文通过调查问卷、交流访谈、拜访银行等方式组织素材,对商业银行中小企业授信操作及风险的管理进行研究,首先本文介绍了我国当前银行金融机构及中小企业融资的研究背景、目的和意义,以及国内外银行风险管理及中小企业融资的现状研究。阐述本文的思路和具体框架；其次介绍了中小企业融资理论的分析。对我国中小企业的现状及未来发展趋势进行分析。从企业的自身问题、银行方面和政策方面来逐一讲述中小企业融资难原因和解决途径。第三,是商业银行中小企业授信操作的介绍。这里详细的讲述了商业银行授信的定义、方式及管理,对目前商业银行为中小企业提供授信的常规业务品种做了逐一介绍,同时展现了商业银行受理中小企业授信业务时的风险评估及分析。以贷前调查、贷款审查及贷后检查为引线,揭示了商业银行授信业务从受理到收回贷款的整个业务操作流程及内容；第四,是商业银行中小企业授信风险及管理的介绍。这里讲述了商业银行授信风险的定义、分类及授信风险的分类认定,通过对授信风险管理中存在问题的阐述,进而提出相应的解决方案,并针对当前中小企业常见的授信业务品种来提示其风险防范的措施,以授信管理中的四个重要环节为基础,逐一阐述授信风险管理中的防范要点；第五,是以列举P公司的实际案例来揭示中小企业在商业银行申请授信时的风险评估及风险控制措施。通过以上内容的介绍,中小企业在我国国民经济当中有着不可或缺的重要性,也是商业银行授信业务的重要客户群体之一。随着我国经济的不断发展,中小企业的资金需求也在不断增加,授信业务品种也需要不断创新与完善,扬长避短、知己知彼、有效的查缺补漏才能使商业银行业务水平不断提升,规避风险的出现。
[Abstract]:At present, the rapid development of small and medium-sized enterprises has become an indispensable main force in the economic development of our country, and more attention has been paid to the problems puzzling the financing difficulties of small and medium-sized enterprises. The commercial banks of our country are the primary channel to solve the financing difficulties of SMEs. The acceptance of SMEs' financing business and the measures to prevent their risks have become the important basis for the SMEs to obtain the financial support from the banks. Based on the analysis of the current situation of SMEs and their financing difficulties, this paper, from the perspective of commercial banks, takes commercial banks as the core of credit granting operations and risk prevention for small and medium-sized enterprises, and combines with the actual cases of P Company. This paper puts forward the problems existing in the granting of credit to small and medium-sized enterprises by commercial banks and the improvement measures of risk prevention. In this paper, through questionnaire, exchange interviews, visits to banks and other ways to organize materials, commercial banks, small and medium-sized enterprises credit operations and risk management research, Firstly, this paper introduces the research background, purpose and significance of banking financial institutions and SME financing in China, as well as the current situation of banking risk management and SME financing at home and abroad. This paper describes the train of thought and specific framework, followed by the introduction of small and medium-sized enterprises financing theory analysis. The present situation and future development trend of small and medium-sized enterprises in China are analyzed. From the enterprise's own problem, the bank aspect and the policy aspect, explains the small and medium-sized enterprise financing difficulty reason and the solution one by one. Third, the introduction of small and medium-sized commercial bank credit operation. This paper describes the definition, mode and management of commercial bank credit in detail, and introduces one by one the variety of conventional business in which commercial banks provide credit to small and medium-sized enterprises. At the same time, it shows the risk assessment and analysis when the commercial banks accept the small and medium-sized credit business. With the lead of pre-loan investigation, loan examination and post-loan inspection, this paper reveals the whole business operation process and content of commercial bank credit business from accepting to recovering loan. Fourthly, it introduces the credit risk and management of commercial bank small and medium-sized enterprises. This paper describes the definition, classification and classification of credit risk in commercial banks, and then puts forward the corresponding solutions by expounding the problems existing in credit risk management. And in view of the common credit business varieties of SMEs to suggest its risk prevention measures, based on the four important links in credit management, one by one elaborated the key points of credit risk management; fifth, It is to enumerate the actual cases of P company to reveal the risk assessment and risk control measures of the small and medium-sized enterprises in the commercial bank application for credit. Through the introduction of the above content, the small and medium-sized enterprises have the indispensable importance in our national economy, also is one of the important customer groups of the commercial bank credit business. With the development of economy in our country, the capital demand of small and medium-sized enterprises is also increasing, and the variety of credit business also needs to be innovated and perfected constantly, to take advantage of its advantages and avoid its weaknesses, to know what it is and to know what it is. Only by checking the deficiency effectively can the business level of commercial bank be improved continuously and the risk be avoided.
【学位授予单位】：西南交通大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F275;F832.4

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