ZBNY银行中小企业信贷风险管理研究

发布时间：2018-06-15 11:03

本文选题：信贷风险管理 + 中小企业　；参考：《山东理工大学》2017年硕士论文

【摘要】：目前,中小企业这一群体已成为我国国民经济发展的重要支撑,我国政府自2014年以来多次针对中小企业发展问题进行专题研究,可见政府对中小企业的重视程度。不同于大型企业拥有广阔的融资渠道,中小企业一般只能依靠金融机构解决资金短缺的困难,因此在大多数商业银行中,中小企业在企业信贷资产结构中所占比重较大,是各商业银行重要的利润来源。但由于中小企业普遍存在于产业链的下端,随着生产成本的不断提升,传统行业中的中小企业的经营利润逐渐被摊薄,伴随着实体经济下行的环境变化,许多中小企业出现了生产经营困难的甚至关停的现象,同时引发了一连串的信贷风险。本文站在ZBNY银行的角度,结合笔者在ZBNY银行中小企业信贷业务风险管理中实际工作经验,从中小企业信贷风险来源入手,通过实际案例详细解析了该行中小企业信贷风险管理体系和信贷业务流程,探讨了该行目前在中小企业信贷业务风险管理中面临的诸多实际问题,并针对这类问题提出了一系列的信贷风险管理优化方案和保障措施。希望本次研究成果能够为该行在未来的中小企业信贷风险管理工作提供一定的帮助。
[Abstract]:At present, small and medium-sized enterprises (SMEs) have become an important support for the development of our national economy. Since 2014, our government has carried out a number of special studies on the development of small and medium-sized enterprises (SMEs), which shows that the government attaches importance to small and medium-sized enterprises (SMEs). Unlike large enterprises with broad financing channels, small and medium-sized enterprises can only rely on financial institutions to solve the difficulties of capital shortage. Therefore, in most commercial banks, small and medium-sized enterprises account for a large proportion in the structure of enterprise credit assets. Commercial banks are an important source of profit. However, as SMEs generally exist at the lower end of the industrial chain, with the continuous improvement of production costs, the operating profits of SMEs in the traditional industries are gradually diluted, which is accompanied by the downward environmental changes in the real economy. Many small and medium-sized enterprises appear the production and management difficulty even shut down phenomenon, at the same time caused a series of credit risk. From the perspective of ZBNY Bank, combining the author's practical work experience in the credit risk management of small and medium-sized enterprises of ZBNY Bank, this paper starts with the source of credit risk of small and medium-sized enterprises. Through practical cases, this paper analyzes the credit risk management system and the credit business process of the bank in detail, and probes into many practical problems that the bank is facing in the management of the credit risk of the small and medium-sized enterprises. And put forward a series of credit risk management optimization plan and safeguard measure to this kind of problem. Hope this research result can provide certain help for the bank in the future small and medium-sized enterprise credit risk management work.
【学位授予单位】：山东理工大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.4;F276.3

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