风险导向型差别化信贷策略在苏州建行中小企业信贷业务中的运用

发布时间：2018-01-26 16:00

本文关键词： 苏州建行中小企业风险导向差别化　出处：《苏州大学》2013年硕士论文　论文类型：学位论文

【摘要】：近年来，面对严峻复杂的国内外经济形势，苏州经济社会保持了平衡发展态势，这与苏州市众多的中小企业保持良好发展密不可分。苏州建行针对当地经济发展特点，在面临激烈的市场竞争的情况下，，把中小企业信贷业务作为重点业务之一进行开展，在中小企业信贷客户数、中小企业信贷投入等方面均保持了快速增长。同时苏州建行在中小企业信贷产品创新、差别化经营上也进行了有益的探索，推出了“速贷通”、“成长之路”、“现金通、互助通”等差别化信贷产品，但在中小企业信贷业务中也遇到了瓶颈制约，特别是在经济下行周期，中小企业信贷风险不断暴露一定程度上影响了中小企业信贷业务的发展。因此，研究风险导向型差别化信贷策略在苏州建行中小企业信贷业务中的运用就显得重要又急迫。本文从苏州建行在中小企业信贷业务中运用风险导向型差别化信贷策略的背景及意义出发，参考了中外学者关于商业银行在信贷风险管理、中小企业信贷产品创新、商业银行支持中小企业信贷策略等方面理论分析，在生命周期理论、信息不对称理论、产业集群理论，风险导向和差别化策略等理论基础上，通过对苏州中小企业融资特点、苏州建行中小企业信贷业务现状、存在的问题及产生的原因分析，提出苏州建行中小企业信贷业务中运用风险导向型差别化信贷策略的设计和实施措施。
[Abstract]:In recent years, in the face of severe and complex domestic and international economic situation, Suzhou's economic and social development has maintained a balanced trend. This is closely related to the good development of many small and medium-sized enterprises in Suzhou. Suzhou Construction Bank is facing fierce market competition in accordance with the characteristics of local economic development. Small and medium-sized enterprises credit business as one of the key business to carry out, in the number of SME credit customers. At the same time, Suzhou Construction Bank has carried on the beneficial exploration in the small and medium-sized enterprise credit product innovation, the differential management, has launched "the quick loan link", "the growth road". "Cash, mutual aid" and other differentiated credit products, but in the SME credit business also encountered bottlenecks, especially in the economic downturn cycle. The exposure of SME credit risk to some extent affects the development of SME credit business. It is important and urgent to study the application of risk-oriented differential credit strategy in the small and medium-sized credit business of Suzhou Construction Bank. Based on the background and significance of Suzhou Construction Bank's application of risk-based differential credit strategy in the credit business of small and medium-sized enterprises, this paper makes reference to the domestic and foreign scholars on the credit risk management of commercial banks. Small and medium-sized enterprises credit product innovation, commercial banks support SME credit strategy and other aspects of theoretical analysis, in life cycle theory, information asymmetry theory, industrial cluster theory. On the basis of the theory of risk orientation and differential strategy, through the financing characteristics of Suzhou small and medium-sized enterprises, Suzhou Construction Bank SMEs credit business status, existing problems and causes of analysis. This paper puts forward the design and implementation measures of risk-oriented differential credit strategy in the credit business of Suzhou Construction Bank.
【学位授予单位】：苏州大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F276.3;F832.4

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