商业银行科技型中小企业信贷风险管理研究

发布时间：2018-03-28 12:37

本文选题：商业银行　切入点：科技型中小企业　出处：《河南财经政法大学》2017年硕士论文

【摘要】：大众创业、万众创新的“双创”热潮不断推动我国全民创新,科技创新俨然已在我国经济发展中占据重要位置,而科技型中小企业作为我国科技创新的重要支持力量,被国家视为重点扶持对象之一。尤其是在解决科技型中小企业面临的融资瓶颈问题上,国家采取了一连串政策性鼓励措施,“投贷联动”即商业银行“股权+债权”的融资方式或将成为今后科技型中小企业获得资金支持的重要途径。但由于科技型中小企业尚存在管理制度不健全、市场前景不明及风险防控体系不完善等一系列问题,使得商业银行科技型中小企业信贷融资面临较大的经营风险、信用风险及逆向选择,而银行投资收益与风险错配以及其融资制度的固有局限性给科技型中小企业获得信贷资金增加了新难度,对此,“科技贷”项目成为科技型中小企业信贷融资的专业性通道,但也面临信贷风险管理成本高、企业价值难以准确评估、专业化程度不高等一系列风险管理问题。对此,我国商业银行必须加快其信贷风险管理制度的创新,支持科技型中小企业发展,如创新发展相关科技金融机构、约束与鼓励制度相结合、建立呆账与坏账备用金制度等,同时践行信贷风险客户、产品、行业精细化管理理念,建立全方位的风险管理体系,健全风险管理评价体系,不断完善数据信息收集和管理平台,健全信用评级体系。此外,要建立起独立的内部监督和绩效考核机制,并将科技型中小企业信用担保体系和风险补偿机制纳入风险管理范畴。商业银行只有在管理好科技型中小企业信贷风险的基础上,才能更好地为科技型中小企业提供信贷支持,推动国家创新发展。
[Abstract]:Mass entrepreneurship, the "double innovation" boom of mass innovation has continuously promoted national innovation in our country, scientific and technological innovation has occupied an important position in the economic development of our country, and the small and medium-sized technological enterprises are the important supporting force of our country's scientific and technological innovation. Is regarded as one of the key support objects by the state, especially in solving the financing bottleneck faced by small and medium-sized technology-based enterprises, The state has adopted a series of policy incentives, and the financing method of "investment and loan linkage", that is, "equity creditor's rights" of commercial banks, may become an important way for science and technology small and medium-sized enterprises to get financial support in the future. Small businesses still have imperfect management systems, A series of problems, such as unclear market prospect and imperfect risk prevention and control system, make the credit financing of small and medium-sized enterprises of science and technology type of commercial banks face a larger operating risk, credit risk and adverse selection. However, the mismatch between investment income and risk of banks and the inherent limitations of their financing system make it more difficult for small and medium-sized technological enterprises to obtain credit funds. In view of this, the "science and technology loan" project has become a professional channel for the credit financing of small and medium-sized technological enterprises. However, it also faces a series of risk management problems, such as high cost of credit risk management, difficulty in accurate evaluation of enterprise value, low degree of specialization, etc. Therefore, commercial banks in China must speed up the innovation of their credit risk management system. To support the development of small and medium-sized scientific and technological enterprises, such as innovation and development of relevant scientific and technological financial institutions, combination of restraint and encouragement system, establishment of a system of bad debts and bad debts, and implementation of the concept of fine management of credit risk customers, products and industries, Establish a comprehensive risk management system, improve the risk management evaluation system, continuously improve the data and information collection and management platform, perfect the credit rating system. In addition, establish an independent internal supervision and performance appraisal mechanism, The credit guarantee system and risk compensation mechanism of small and medium-sized technological enterprises are brought into the scope of risk management. Only on the basis of managing the credit risk of small and medium-sized technological enterprises, can commercial banks provide better credit support for small and medium-sized scientific and technological enterprises. Promote national innovation and development.
【学位授予单位】：河南财经政法大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.4;F276.3

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