中小企业网络银行信贷模式及风险防范探讨

发布时间：2018-05-27 23:30

本文选题：经济环境 + 中小企业　；参考：《山东大学》2012年硕士论文

【摘要】：当前国内外经济形势下,国际金融危机深层次影响仍在显现。国内经济下行压力加大,融资难问题已成为众多企业发展瓶颈,特别是中小企业,情况更为严峻。实际上传统银行并非不重视中小企业客户,只是传统的信贷审批标准和信用体系标准不能广泛适用于中小企业,使得其在银行的贷款门槛依然较高。网络银行信贷作为一种新型的融资渠道,开始步入中小企业的视野。特别是在今年经济下行的情况下,网络信贷融资成为不少中小企业的融资新途径。中小企业由于规模小、缺乏有效抵押资产等特点决定了信贷风险较大,如何利用网络银行这种新的融资渠道,采取何种经营方式,既能有效服务众多中小企业,又能有效控制信贷风险,在当前经济背景下具有重要的现实意义。本文采用理论与实证应用相结合的研究方法,通过系统总结了在当前经济背景下网络银行信贷融资在中小企业应用模式、风险控制措施及对中小企业信贷融资当中的优势,同时指出商业银行网络银行信贷在中小企业信贷业务中潜在风险,并对当前潜在风险问题提出具体防范建议。最后以建行在福田雷沃企业通过“核心企业供应链融资”网络银行模式开展网络银行信贷服务为实例,描述了建设银行开展对福田雷沃集团供应链上下游企业融资服务模式、信贷风险控制措施以及网络信贷业务开展效果。
[Abstract]:Under the current domestic and foreign economic situation, the international financial crisis deep level influence is still appearing. The domestic economic downward pressure increases, the financing difficulty has become the bottleneck of the development of many enterprises, especially the small and medium-sized enterprises, the situation is even more severe. In fact, the traditional banks do not attach importance to SME customers, but the traditional credit approval standards and credit system standards can not be widely applied to SMEs, making their loan threshold in the bank is still relatively high. Network bank credit as a new financing channel, began to enter the vision of small and medium-sized enterprises. Especially in the economic downturn this year, network credit financing has become a new way for many small and medium-sized enterprises. Because of the small scale and the lack of effective mortgage assets, the small and medium-sized enterprises decide that the credit risk is great. How to use the network bank as a new financing channel and what kind of management way can effectively serve many small and medium-sized enterprises, And can effectively control the credit risk, in the current economic background has an important practical significance. This paper adopts the research method of combining theory and empirical application, summarizes the application mode of network bank credit financing in small and medium-sized enterprises under the current economic background, the risk control measure and the advantage to the small and medium-sized enterprise credit financing. At the same time, it points out the potential risks of network bank credit of commercial banks in the credit business of small and medium-sized enterprises, and puts forward some concrete suggestions to prevent the current potential risks. Finally, with the example of CCB developing network bank credit service through "core enterprise supply chain financing" in Futian Revo enterprise, the paper describes the financing service mode of upstream and downstream enterprises in Futian Revo Group supply chain by CCB. Credit risk control measures and network credit business development results.
【学位授予单位】：山东大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：TP393.09;F832.4

【参考文献】