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论文编号：	10648
作者编号：	2120162833
上传时间：	2018/12/7 23:04:07
中文题目：	科技型中小企业信贷风险管理研究——来自Y银行天津分行的案例
英文题目：	Research on credit risk management of High-Tech SME loan：Case studies from Tianjin branch of Y bank
指导老师：	古志辉
中文关键字：	科技型；中小企业；信贷风险管理
英文关键字：	High-Tech；SME；Credit risk management
中文摘要：	中小企业在我国社会资源配置中发挥着重要作用，在国民经济发展中占有重要地位，是经济走向繁荣的新鲜血液与后备军，做出了不可忽视的贡献，鼓舞了人们的拼搏与革新精神，可以说，它们已经成为了支撑社会运转、创造就业渠道并激发创新活力的重要力量。但中小企业 “融资难、融资贵”问题多年以来并没有得到有效解决。在中小企业群体中，科技型企业以其自身的高成长性和创新性，成为了这个群体当中最具有活力和发展潜力的一部分。但科技型中小企业与其他中小企业相比较，又有着轻资产、缺乏有效担保、发展前景不好预估、科技更迭频繁等多种复杂问题，在商业银行“嫌贫爱富”的风险偏好下，这些问题就成为了商业银行向科技型中小企业提供贷款时无法逾越的屏障。 天津经济发展正处于新旧动能转换的关键时期，支持中小企业发展将有利于天津经济实现转方式、调结构、换动能、向高质量发展转变。Y银行系大型央企背景的上市银行，2007年成立至今一直坚守普惠金融的零售战略，各分支机构均设立了专门的中小企业服务部门，目的在于更有效的服务地方中小企业发展，做好中小企业金融服务。Y银行天津分行下辖18家一级支行和100个二级支行，业务功能齐全，服务范围遍布城乡，但在支持地方中小企业特别是科技型中小企业发展的实际情况来看，还略显不足，集中反映在贷款总量偏小、担保方式过于传统、产品缺乏创新等等。本文从Y银行天津分行实际出发，聚焦科技型中小企业的信贷风险管理，结合Y银行天津分行科技型中小企业信贷业务案例，通过分析借款企业的经营与财务状况、所在生命周期阶段、违约风险潜在因素等，得出Y银行天津分行在科技型中小企业信贷业务发展中存在的主要风险问题，并从战略定位、客户选择、产品创新、作业流程和人力资源管理等视角展开研究，对Y银行天津分行建立科技型中小企业信贷风险管理体系提出了建议，帮助Y银行天津分行在完善对科技型中小企业信用风险管理的基础上，不断发挥资源优势、强化战略定位、履行社会责任，更好的服务科技型中小企业。
英文摘要：	SMEs play an important role in the allocation of resources in the whole society, play an important role in the development of the national economy, are an important source of economic new kinetic energy cultivation, an important carrier for mass entrepreneurship and innovation, and promote economic growth and promote employment. An important force that inspires innovation. However, the problem of “funding difficulties and financing” for SMEs has not been effectively solved for many years. Among the SME groups, High-Tech SMEs have become the most dynamic and development potential of the SME group with their own high growth and innovation. However, compared with other SMEs, High-Tech SMEs have many complicated problems such as light assets, lack of effective guarantees, poor development prospects, frequent technology changes, and the risk appetite of “poor and poor” in commercial banks. These problems have become an insurmountable barrier for commercial banks to provide loans to High-Tech SMEs. Tianjin's economic development is in a critical period of the transformation of old and new kinetic energy. Supporting the development of SMEs will help Tianjin's economy realize the transformation mode, adjust the structure, change the kinetic energy, and transform into high-quality development. Y Bank is a listed bank with a large central enterprise background. Since its establishedin 2007, it has been adhering to the retail strategy of Inclusive Finance. All branches have set up special SME service departments to serve the development of local SMEs more effectively. Tianjin Branch of Y Bank has 18 sub-branches and 100 second-level sub-branches. The business functions are complete and the service scope covers urban and rural areas. But from the actual situation of the development of local SMEs, especially High-Tech SMEs, it is also slightly insufficient. It is reflected in the small amount of loans, the traditional way of guarantee, the lack of innovation in products, etc. . This paper starts from the actual Tianjin branch of Y Bank, focuses on the credit risk management of High-Tech SMEs, and combines the Y-Bank High-Tech SME credit business case to analyze the operating and financial status of the borrowing enterprise, the life cycle stage, and the risk of default risk. Factors, etc., the main risk problems of the Y Bank in the development of credit-based SMEs, and from the perspective of strategic positioning, target enterprise selection, product innovation, operational processes and human resources management. Put forward suggestions on the credit risk management of High-Tech SMEs in Y Bank, and help it to continuously exert its resource advantages, strengthen strategic positioning, and fulfill social responsibilities on the basis of improving credit risk management for SMEs，provide better service to High-Tech SMEs.
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