A银行中小企业授信风险管理研究

发布时间：2018-07-03 17:10

本文选题：中小企业 + 授信风险　；参考：《广西师范大学》2014年硕士论文

【摘要】：国务院发展研究中心企业研究所日前发布《中国企业发展报告2014》指出：劳动力和房租成本上升较快挤压了中小企业生存空间；中小企业融资难、融资贵问题仍未根本得到解决；所以要加快改革步伐进一步减轻中小企业负担。其实,无论发达国家还是发展中国家,中小企业都是经济发展和社会稳定的重要支柱。随着我国经济体制改革的不断深入,中小企业在整个国民经济中的地位越来越重要,已经成为我国经济发展的一支生力军。中小企业授信业务也正在成为各家商业银行业务发展的重要增长点和新的利润增长点。因此,加强对中小企业客户授信风险的识别判断和控制能力,促进中小企业授信业务健康发展,对我国商业银行具有重要的理论意义和现实意义。就我国的现状而言,商业银行在贷款发放方面受到法律法规以及内部经营管理制度等多方面因素的影响,而中小企业的抗风险能力普遍较弱、经营管理水平低下、财务状况不明晰等因素的客观存在,使得银行很难对中小企业的实际情况作出判断,大大提高了银行的放贷风险,再加上中小企业没有合格的抵押品,不能提供银行认可的担保抵押条件,因此,商业银行对中小企业贷款的审查和发放更加严格,防止出现信贷风险。因此,商业银行选择优质中小企业客户群体,采取有效的信贷风险控制措施,实施银行信贷资金的有效投放,才能支持企业的良好发展以及实现商业银行的经营目标,从而取得银企双方的共赢。本文的出发点和研究目标就在于此,希望能找到一条路径,实现商业银行和中小企业的和谐共赢发展。本文通过对A商业银行的细致分析,发现商业银行在中小企业授信风险管理中存在的问题,并基于商业银行的角度提出了中小企业授信风险管理的解决方案：一是优化中小企业授信流程；二是加强区域行业研究,破圈解链防控担保圈风险；三是注重中小企业实质性风险判断,强化经营性风险防控：四是优化抵质押担保方式,增强第二还款来源可靠性；五是构建银政企三方平台,依托政府控制风险：六是加强中小企业营销和产品创新力度。
[Abstract]:The Enterprise Development Institute of the development research center of the State Council recently issued the China enterprise development report 2014> that the rapid increase of labor and rent costs has squeezed the survival space of small and medium-sized enterprises; the financing of small and medium-sized enterprises is difficult and the financing is still not fundamentally solved; therefore, it is necessary to accelerate the pace of reform to further reduce the burden of small and medium-sized enterprises. In fact, Small and medium enterprises are the important pillars of economic development and social stability in both developed and developing countries. With the continuous deepening of China's economic system reform, small and medium-sized enterprises have become more and more important in the whole national economy, and have become a new force in the development of our country's economy. Therefore, it is of great theoretical and practical significance for the commercial banks of China to strengthen the identification and control ability of the credit risk of small and medium-sized enterprises and promote the healthy development of the credit business of small and medium-sized enterprises.
As far as the current situation of our country is concerned, the commercial banks are influenced by many factors such as laws, regulations and internal management system in terms of loan issuance, while the risk resistance of small and medium-sized enterprises is generally weak, the management level is low, the financial situation is not clear and so on, which makes it difficult for the banks to do the actual situation of small and medium-sized enterprises. To make a judgment, it greatly improves the bank's lending risk, and the small and medium enterprises do not have qualified collateral, and can not provide the guarantee mortgage conditions approved by the bank. Therefore, the commercial banks are more stringent on the examination and distribution of SMEs' loans to prevent the emergence of credit risk.
Therefore, the commercial banks choose the customer groups of high quality and medium sized enterprises, take effective credit risk control measures and implement the effective delivery of bank credit funds to support the good development of the enterprises and realize the business objectives of the commercial banks, so as to win the win-win situation of both banks and enterprises. Find a way to achieve a harmonious and win-win development between commercial banks and SMEs.
Through the careful analysis of A commercial banks, this paper finds the problems existing in the credit risk management of commercial banks in small and medium enterprises, and puts forward the solutions for the management of credit risk management of small and medium-sized enterprises based on the commercial banks' angle. One is to optimize the credit process of small and medium-sized enterprises; two is to strengthen regional industry research and break the chain of chain of prevention and control guarantee circle. Risk; three is to pay attention to the substantive risk judgment of small and medium-sized enterprises and strengthen the management of operational risk prevention and control: four is to optimize the way of collateral guarantee and enhance the reliability of the source of the second repayment; five is to build the three party platform of the silver government and enterprise, and relies on the government to control the risk: the six is to strengthen the marketing of small and medium enterprises and the innovation of product.
【学位授予单位】：广西师范大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.33;F832.4;F276.3

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