经济下行周期江苏常州B银行中小企业信贷风险研究

发布时间：2018-01-21 16:57

本文关键词： 经济下行周期中小企业信贷风险　出处：《昆明理工大学》2014年硕士论文　论文类型：学位论文

【摘要】：2011年以来,随着欧美债务危机引发的国际金融市场动荡的外因影响,以及国内货币政策趋紧,信贷增速进一步回落等内因的制约,我国宏观经济下行压力逐渐显现。根据2013年的宏观经济及主要工业行业的运行情况,各项数据分析表明,宏观经济已进入经济下行周期。这一时期,中小企业生产和融资成本不断攀升,生存压力加大,经营情况恶化,债务违约风险上升,商业银行贷款不良率反弹,使得商业银行发展中小企业业务的热情受到打击。然而,政府管理部门、银行监管部门仍要求商业银行加大对中小企业的支持,使得商业银行陷入较为尴尬的境地,如何在宏观经济下行周期中,强化风险管理,将中小企业不良贷款控制在相对合理和可容忍的范围内,实现中小企业业务的可持续发展,成为各家商业银行必须破解的现实难题。纵观国内外研究文献,虽然对于信用风险的分析和管理方法日益成熟,但是针对经济下行期间,如何采取具体措施来把握银行中小企业信贷风险则着墨较少。因此本研究课题在上述背景下,以经济下行周期中小企业信贷风险控制为研究对象,依据相关概念理论,在分析常州市经济发展状况及B银行中小企业信贷现状的基础上,提出经济下行期间防范中小企业信贷风险的思路和建议,对于如何完善我国中小企业信贷风险控制体系具有一定的现实意义和参考价值。
[Abstract]:Since 2011, the international financial market turmoil caused by the external factors with the debt crisis in Europe, as well as domestic monetary policy tightening, restricting credit growth fell further inside, downward pressure on China's macro economy gradually. According to the operation of macro economy in 2013 and the main industry, the data show that the macro economy has entered the period of economic downturn. During this period, the production and financing costs continue to rise, increasing pressure to survive, business conditions worsen, debt default risk rises, commercial banks non-performing loan rate rebound, the development of small and medium-sized enterprises of commercial banks enthusiasm hit. However, government departments, banking supervision departments still require commercial banks to increase support of small and medium-sized enterprises, the commercial banks in a dilemma, how in the macroeconomic downturn period, strengthen risk Management, controlling the non-performing loans of small and medium-sized enterprises in a relatively reasonable and tolerable range, and realizing the sustainable development of SMEs business, has become a real problem for all commercial banks to solve.
The research literature at home and abroad, although the analysis and management methods for credit risk is increasingly mature, but in the period of economic downturn, how to take concrete measures to grasp the credit risk of SMEs is less. Therefore this research attention in the background, in the economic down cycle of small and medium sized enterprises credit risk control as the research object, on the basis of the relevant the concept of theory, based on analyzing the status of the development of economy and the B Bank of Changzhou City, the small and medium-sized enterprise credit situation, put forward ideas and suggestions during the economic downturn to guard against credit risk of small and medium-sized enterprises, how to improve the credit risk control system of small and medium-sized enterprises of our country has certain practical significance and reference value.

【学位授予单位】：昆明理工大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.4;F276.3

【参考文献】