N商业银行中小企业授信风险管理研究

发布时间：2018-07-31 19:29

【摘要】：改革开放30多年以来,我国经济快速发展,市场经济逐步完善。我国中小企业不仅数量增加,企业质量也不断提高。一方面,中小企业在国民经济中所起的作用以及促进社会经济发展的重要性日益凸显,但是资金约束问题仍制约着中小企业的快速发展。另一方面,商业银行在发展的过程中,银行之间的竞争也日益激烈,因此商业银行为了自身的发展以及其授信资金的安全,就应该合理地调整好其信贷结构,为适应有着不同特点的众多中小企业的需求,创新不同的授信品种。全文共分六个部分。第一部分：绪论。简述本文的研究背景和研究目的,并通过对国内外相关文献的梳理,提出本文的主要研究内容和研究方法。第二部分：商业银行中小企业授信业务风险管理理论。介绍我国商业银行所开展的授信业务及种类,并通过对商业银行中小企业授信业务风险管理理论的描述,为N商业银行的授信风险管理作进一步的指导。第三部分：我国商业银行中小企业授信业务风险管理方法。本部分分析了商业银行对中小企业授信业务风险管理的传统方法,并分析了进行中小企业授信业务风险管理对银行的重要作用。第四部分：N商业银行中小企业授信业务风险管理方法。这是本文的重点。在该部分,首先对N商业银行所存在的中小企业不良授信案例进行了描述,一方面说明中小企业授信业务风险是客观存在的,另一方面也说明商业银行进行中小企业授信业务风险管理的重要性；在此基础上,分析了N商业银行授信中小企业业务的风险特征并对授信业务进行风险分析；最后,从授信客户准入退出标准、授信客户评级、授信资产风险分类及管理等方面分析了N商业银行中小企业授信风险管理的方法,找出N商业银行授信风险管理中所存在的问题。第五部分：提升N商业银行中小企业授信业务风险管理策略,根据第四章所进行的风险分析,找出N商业银行对中小企业授信风险所存在的问题,为其作出相应的对策建议,以提高N商业银行对授信资产的质量及其安全性。第六部分为全文章的总结。授信风险管理作为商业银行对中小企业信贷业务的核心。本文结合我国中小企业的特点和信用风险的特征,以N商业银行中小企业授信风险管理为例,旨在为N商业银行寻求适合其发展的实际情况,又满足不同类型中小企业需求的授信风险管理理论及方法,也希望能给我国其他商业银行在处理中小企业授信风险管理时提供有益的借鉴。
[Abstract]:Since the reform and opening up more than 30 years ago, our country economy develops rapidly, the market economy gradually consummates. China's small and medium-sized enterprises not only increase in number, enterprise quality also continues to improve. On the one hand, the role of small and medium-sized enterprises in the national economy and the importance of promoting social and economic development are increasingly prominent, but the problem of financial constraints still restricts the rapid development of small and medium-sized enterprises. On the other hand, during the development of commercial banks, the competition among banks is becoming increasingly fierce. Therefore, for the sake of their own development and the safety of their credit funds, commercial banks should adjust their credit structure reasonably. In order to meet the needs of many small and medium enterprises with different characteristics, different credit-granting varieties are innovated. The full text is divided into six parts. Part one: introduction. This paper briefly introduces the research background and purpose of this paper, and puts forward the main research contents and research methods by combing the related literature at home and abroad. The second part: the risk management theory of small and medium-sized enterprises in commercial banks. This paper introduces the types and types of credit business carried out by commercial banks in China, and provides further guidance for N commercial banks on credit risk management by describing the risk management theory of small and medium-sized credit business of commercial banks. The third part: the risk management method of the small and medium-sized credit business of the commercial bank of our country. This part analyzes the traditional methods of risk management of SME credit business in commercial banks, and analyzes the important role of risk management in SME credit business to banks. The fourth part is the risk management method of the small and medium-sized credit business of the commercial bank. This is the focus of this paper. In this part, first of all, the case of bad credit of small and medium-sized enterprises in N commercial bank is described. On the one hand, it shows that the risk of credit business of small and medium-sized enterprises exists objectively. On the other hand, it also explains the importance of risk management of SME credit business in commercial banks. On this basis, it analyzes the risk characteristics and risk analysis of credit business in N commercial bank. This paper analyzes the methods of credit risk management of small and medium-sized enterprises in N commercial bank and finds out the problems existing in credit risk management of N commercial bank from the aspects of credit access and exit standard, credit customer rating, credit asset risk classification and management, etc. The fifth part: promote the risk management strategy of small and medium-sized enterprise credit business of N commercial bank, according to the risk analysis of the fourth chapter, find out the problems existing in the credit risk of N commercial bank to small and medium-sized enterprises, and make corresponding countermeasures and suggestions for it. In order to improve the quality and security of N commercial bank credit assets. The sixth part is the summary of the whole article. Credit risk management is the core of commercial banks' credit business to small and medium-sized enterprises. Based on the characteristics of small and medium-sized enterprises in China and the characteristics of credit risk, this paper takes the credit risk management of small and medium-sized enterprises in N commercial bank as an example, in order to seek for the actual situation suitable for the development of N commercial bank. The theory and methods of credit risk management to meet the needs of different types of small and medium-sized enterprises are also expected to provide useful reference for other commercial banks in dealing with credit risk management of small and medium-sized enterprises in China.
【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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