商业银行中小企业贷款信用风险研究

发布时间：2018-01-30 17:30

  本文关键词： 中小企业 商业银行 信用风险　出处：《对外经济贸易大学》2017年硕士论文　论文类型：学位论文

【摘要】：中小企业在国民经济中的地位不断提升,但中小企业融资难的问题也日益突出,中小企业外源融资的主要途径是银行贷款,而站在商业银行的角度,中小企业规模小、抗风险能力差、信息不透明等原因导致其信用风险较大,成为制约商业银行发展中小企业贷款业务的瓶颈,是否能够有效的管理中小企业信用风险成为了商业银行亟待解决的问题。本文从中小企业贷款的理论基础入手,站在商业银行的角度对中小企业贷款业务进行分析,阐述了商业银行中小企业不良贷款的现状以及当前商业银行信用风险管理中存在的问题,揭示了中小企业贷款业务的核心风险是信用风险,从信用风险的成因和特点入手,结合本人在商业银行中小企业贷款业务中的实践经验,针对现有信用风险管理中的不足,从信用风险的识别、评估和控制三个角度提出了一些能有效降低信用风险的方法。
[Abstract]:The status of small and medium-sized enterprises in the national economy continues to improve, but the financing difficulties of small and medium-sized enterprises are also increasingly prominent. The main way of external financing for small and medium-sized enterprises is bank loans, while standing in the perspective of commercial banks. The small scale of small and medium-sized enterprises, poor ability to resist risks, information opaque and other reasons lead to its credit risk is large, which has become the bottleneck of commercial banks to develop small and medium-sized enterprises loan business. Whether it can effectively manage the credit risk of small and medium-sized enterprises has become an urgent problem for commercial banks. This paper starts with the theoretical basis of loans for small and medium-sized enterprises. From the point of view of commercial banks, this paper analyzes the loan business of small and medium-sized enterprises, expounds the current situation of non-performing loans of small and medium-sized enterprises in commercial banks and the problems existing in the credit risk management of commercial banks. This paper reveals that the core risk of SME loan business is credit risk, starting with the causes and characteristics of credit risk, combined with my practical experience in the SME loan business of commercial banks. Aiming at the shortcomings of the existing credit risk management, this paper puts forward some effective methods to reduce the credit risk from the three aspects of credit risk identification, evaluation and control.
【学位授予单位】：对外经济贸易大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.4
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本文编号：1476824