S银行中小企业信贷风险控制对策研究

发布时间：2018-03-30 01:39

本文选题：中小企业　切入点：信贷风险　出处：《东北大学》2015年硕士论文

【摘要】：近年来,随着市场经济的发展,中小企业在整个社会中起到了越来越重要的作用,我国的商业银行顺应发展规律,逐步将中小企业信贷业务市场作为自身发展的重要领域。但由于中小企业在自身经营上有其独特之处,因此商业银行在力争有效的解决中小企业融资问题的同时,对如何保证自身的信贷资产质量、如何做到效益效率双提高、如何实现中小企业与商业银行共同成长等问题的深入的研究,具有重要的现实意义。论文从S银行中小企业信贷出发,结合作者在S银行中小企业信贷岗位上多年的工作经验,深入分析当前形势下S银行中小企业信贷风险控制中存在的不足,有针对性的对如何改善S银行中小企业信贷现有风险的控制方法,提出了合理化建议。论文主要内容包括:首先介绍了 S银行中小企业信贷业务发展的现状。其次,紧密结合了当前宏观社会经形势,深入分析了 S银行在中小企业信贷业务风险控制方面存在的不足。最后,逐一的针对存在的不足,提出了相应的改善建议。通过这些建议的提出,作者希望在当前经济发展缓行的局面中,S银行能够更加理性的控制在发展中所面对的风险,持续健康稳定的提高中小企业信贷市场的占有率,坚定不移的为地方经济做出自己的贡献。
[Abstract]:In recent years, with the development of market economy, small and medium-sized enterprises have played an increasingly important role in the whole society. The credit business market of small and medium-sized enterprises is gradually regarded as an important field for their own development. However, because SMEs have their own unique features in their own operation, commercial banks are striving to solve the financing problems of SMEs effectively at the same time. How to ensure the quality of their own credit assets, how to achieve efficiency and efficiency, how to achieve the common growth of small and medium-sized enterprises and commercial banks, etc. This paper starts from the credit of small and medium-sized enterprises in S Bank and combines the author's working experience in the credit post of small and medium-sized enterprises in S Bank for many years. This paper deeply analyzes the deficiency of credit risk control of small and medium-sized enterprises in S Bank under the current situation, and how to improve the existing credit risk control methods of small and medium-sized enterprises in S Bank. The main contents of this paper are as follows: firstly, the paper introduces the present situation of the credit business development of S Bank small and medium-sized enterprises. Secondly, it closely combines the current macro social and economic situation. This paper deeply analyzes the shortcomings of S Bank in the control of credit risk of small and medium-sized enterprises. Finally, aiming at the shortcomings one by one, it puts forward corresponding suggestions for improvement. The author hopes that in the current situation of slow economic development, the bank can more rationally control the risks faced in the development process, and continue to increase the share of the credit market of small and medium-sized enterprises in a healthy and stable manner. Unswervingly make their own contribution to the local economy.
【学位授予单位】：东北大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：F276.3;F832.4

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