ZX银行中小企业信贷风险管理研究

发布时间：2018-12-15 17:45

【摘要】：中小企业在当今世界经济与社会发展中发挥着巨大的作用，已经成为或即将成为各国经济的重要支柱，在我国，在工商注册登记的中小企业数量已占到全国注册企业总数的99%，其所创造的工业总产值、销售收入、实现利税、出口总额已分别占全国的60%、57%、40%和60%左右，75%左右的城镇就业机会也是由中小企业提供的。加快中小企业的发展，，对我国实现经济增长，提升就业水平，稳定社会发展有着巨大的作用。故各家商业银行纷纷成立专门的机构，创新金融产品，改进服务流程和机制，从信贷资源上加大了对中小企业的倾斜。而由于经济变化，中小企业经营规模小、抗风险能力弱和治理结构不完善等自身原因，中小企业的信贷风险开始显现。因此，对中小企业信贷风险的分析和管理已经成为各商业银行的紧迫而具现实意义的问题。本文基于ZX银行的实践，对中小企业的信贷风险进行了研究和探讨，并以某中小企业为案例进行实证分析研究，尝试针对商业银行对中小企业的信贷风险管理提出建议。本文共有七章。第一章为导论，阐述本文研究背景与思路。第二章为我国中小企业的融资现状进行综合描述。第三章对商业银行对中小企业信贷的需求及供给进行分析。第四章对中小企业融资中所存在的风险进行了分类描述和分析。第五章和第六章为本文的重点部分，也是本文的创新之处。第五章对某建筑行业中小企业融资进行了实证研究，分别从该企业的行业风险、经营风险、财务风险等入手，分析该企业所可能出现的风险，并从商业银行的角度，对该企业的筹资、投资、流动性风险等各方面进行综合评估，评估该企业的整体信贷风险。第六章通过案例的实证分析，对商业银行发展中小企业信贷过程中的风险管理提出建议和措施。第七章对全文做出总结，希望为国内商业银行对中小企业的信贷风险管理和控制提供参考。
[Abstract]:Small and medium-sized enterprises play a great role in the economic and social development of the world today. They have become or will soon become important pillars of the economies of all countries. The number of small and medium-sized enterprises registered for industry and commerce has accounted for 99% of the total number of registered enterprises in the country. The total industrial output value, sales income, profits and taxes generated by them have accounted for 60, 57, 40 percent and 60 percent of the total number of enterprises registered in the whole country, respectively. About 75% of urban employment opportunities are also provided by small and medium-sized enterprises. Speeding up the development of small and medium-sized enterprises plays an important role in realizing economic growth, improving employment level and stabilizing social development. Therefore, commercial banks have set up specialized institutions, innovated financial products, improved service flow and mechanism, and increased the inclination of credit resources to small and medium-sized enterprises. However, due to the economic changes, the small scale of small and medium-sized enterprises, the weak ability to resist risks and the imperfect governance structure, the credit risk of small and medium-sized enterprises is beginning to appear. Therefore, the analysis and management of SME credit risk has become an urgent and practical problem for commercial banks. Based on the practice of ZX Bank, this paper studies and discusses the credit risk of small and medium-sized enterprises, and takes a small and medium-sized enterprise as an example to make an empirical study, and tries to put forward some suggestions on the credit risk management of small and medium-sized enterprises by commercial banks. There are seven chapters in this paper. The first chapter is the introduction, expounding the research background and train of thought. The second chapter is a comprehensive description of the financing status of small and medium-sized enterprises in China. The third chapter analyzes the demand and supply of small and medium-sized enterprises credit from commercial banks. The fourth chapter describes and analyzes the risk in SME financing. The fifth and sixth chapters are the key part of this paper, and also the innovation of this paper. The fifth chapter makes an empirical study on the financing of a small and medium-sized enterprise in the construction industry, starting with the industry risk, the operating risk and the financial risk of the enterprise, analyzes the risks that may appear in the enterprise, and from the perspective of the commercial bank. The financing, investment and liquidity risk of the enterprise are comprehensively evaluated to evaluate the overall credit risk of the enterprise. The sixth chapter puts forward some suggestions and measures on risk management in the process of developing SME credit in commercial banks through the empirical analysis of cases. Chapter seven summarizes the whole paper, hoping to provide reference for domestic commercial banks to manage and control the credit risk of SMEs.
【学位授予单位】：电子科技大学
【学位级别】：硕士
【学位授予年份】：2012
【分类号】：F272.92;F832.4

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