FD银行对中小企业信贷风险流程化管理研究

发布时间：2018-03-13 11:39

本文选题：信贷风险　切入点：小企业融资　出处：《昆明理工大学》2013年硕士论文　论文类型：学位论文

【摘要】：随着中国改革开放的步伐不断推进和社会主义市场经济体制建设的不断发展完善,中小企业已经成为我国国民经济增长和协调运行的中坚力量,中小企业在对促进国家经济增长、增进就业、出口创汇、稳定财政收支、创造多元化财富等方面起到了巨大的支撑作用。世界经济发展规律也表明,仅有大企业的发展而没有中小企业的发展的国家和地区,是不能保持经济长期稳定持续增长的。可是目前我国商业银行给予中小企业的融资信贷额度比仍然维持在10%左右,我国中小企业融资困难,融资渠道单一、融资成本较高的现状仍未得到实质性的解决。本文旨在立足中小企业的发展现状以及融资状况分析中小企业信贷风险及其产生原因,结合国内中小企业的融资现状及融资难原因展开分析,重点分析商业银行发展中小企业信贷风险控制的流程化管理及工具建设,并以地方性商业银行FD银行的信贷风险管理流程为核心,结合FD银行案例重点提出从中小企业贷款风险识别、风险控制以及改善外部环境等几方面来有效降低中小企业贷款的风险,并提出了小企业融资风险控制的具体措施与实施方案。本文的最终目的是希望针对目前中小企业信贷融资难的问题实现有效突破。
[Abstract]:With the continuous progress of China's reform and opening up and the continuous development and perfection of the socialist market economic system, small and medium-sized enterprises have become the backbone of the growth and coordinated operation of our national economy. Small and medium-sized enterprises have played a huge supporting role in promoting national economic growth, increasing employment, earning foreign exchange from exports, stabilizing fiscal revenues and expenditures, and creating diversified wealth. The laws of world economic development also show that, Countries and regions with only the development of large enterprises and no development of small and medium-sized enterprises will not be able to maintain long-term stable and sustained economic growth. However, at present, the ratio of financing credit lines granted to SMEs by commercial banks in our country is still around 10%. The present situation of financing difficulty, single financing channel and high financing cost of small and medium-sized enterprises in China has not been solved substantively. The purpose of this paper is to analyze the credit risk and its causes of SMEs based on the status quo of SMEs' development and financing, combined with the financing status of domestic SMEs and the reasons of financing difficulties. The paper focuses on the process management and tool construction of the development of SME credit risk control in commercial banks, and takes the credit risk management process of FD bank as the core. Based on the FD bank case, the paper puts forward how to effectively reduce the risk of SME loan from the aspects of SME loan risk identification, risk control and improvement of external environment. The final purpose of this paper is to achieve an effective breakthrough in the current problems of small and medium-sized enterprises' credit financing.
【学位授予单位】：昆明理工大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F275;F832.4

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