国内商业银行小企业信贷风险控制的优化策略

发布时间：2018-05-01 18:43

本文选题：小企业 + 信贷风险　；参考：《浙江大学》2014年硕士论文

【摘要】：不论在发达国家或在发展中国家,小企业都是一国经济的重要组成部分,在吸收就业、稳定社会、活跃经济等方面发挥了重大作用。为小企业发展提供积极的金融支持,既是城市商业银行发展的必然之选,也是小企业发展的必然要求。商业银行固有的信贷管理体制严重制约着小企业自身的长远发展和资金融通,小企业较强的信贷资金需求要求商业银行尽快建立起一套更为完善、较为合理的风险控制系统,金融监管创新和小企业产业升级为商业银行内部风险控制能力提出了更高的要求。如何提高信贷效率,有效控制小企业信用风险控制己经成为我国商业银行当务之急。通过对包商银行小企业信贷风险控制的研究,可以达到对小企业进一步认识,梳理出影响银行对小企业信贷风险的要素和体系,可以将银行的工作实践与理论更加地密切联系起来,对于包商银行的信贷风险控制管理方法有着很大的指导意义,对于我国其它商业银行在对小企业信贷风险控制也有很大的参考价值。
[Abstract]:In both developed and developing countries, small businesses are an important part of a country's economy and play an important role in absorbing employment, stabilizing society, and activating the economy. To provide positive financial support for the development of small enterprises is not only an inevitable choice for the development of urban commercial banks, but also an inevitable requirement for the development of small enterprises. The inherent credit management system of commercial banks seriously restricts the long-term development and financing of small enterprises. The strong demand for credit funds of small enterprises requires commercial banks to set up a more perfect and reasonable risk control system as soon as possible. The innovation of financial supervision and the upgrading of small enterprise industry put forward higher requirements for the internal risk control ability of commercial banks. How to improve the credit efficiency and effectively control the credit risk of small enterprises has become an urgent task for our commercial banks. Through the research on the credit risk control of the small enterprise in the contractor bank, we can get a further understanding of the small enterprise, and sort out the elements and system that affect the credit risk of the bank to the small enterprise. It can be more closely related to the practice and theory of the bank, and has great guiding significance for the credit risk control and management method of the contractor bank. It also has great reference value for other commercial banks in controlling the credit risk of small enterprises.
【学位授予单位】：浙江大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.33;F832.4;F276.3

【参考文献】