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论文编号：	12101
作者编号：	2320180803
上传时间：	2020/12/11 20:44:13
中文题目：	G银行中小企业信贷风险管理研究
英文题目：	Research on credit risk management of small and medium-sized enterprises in G bank
指导老师：	张继勋
中文关键字：	中小企业;信贷风险;银行
英文关键字：	SMEs;credit risk;banks
中文摘要：	伴随我国市场经济的飞速发展，中小企业在中国经济发展方式转变中扮演着不可或缺的角色。2020年国务院金融稳定发展委员会进行了第十四次会议，会上着重讨论了中小企业所面临的融资问题。我国商业银行目前在中小企业信贷风险管理建设中仍有很大不足，对于信贷风险缺乏量化的分析。G银行作为全国性股份制商业银行，在扩展中小企业信贷业务的过程中，意识到现存传统的信贷管理制度已经无法适应中小企业信贷业务特点，摆在G银行面前的核心问题就是如何有效控制中小企业的信贷风险。本文通过对G银行中小企业信贷风险管理现状进行分析，探索G银行在风险管理过程中可行的改进措施。 本文以G银行天津分行为研究对象，在调查研究的基础上，针对信贷风险管理现状、问题以及产生原因进行分析与总结，并借鉴国内外学者的成熟理论，为G银行天津分行在中小企业的信贷业务风险管理提出针对性建议。本文首先对援引国内外文献进行介绍，并对信贷风险涉及的理论、中小企业界定及中小企业信贷业务风险的特点进行介绍；之后本文简要介绍G银行天津分行，通过对G银行天津分行实际发生的中小企业信贷业务案例进行阐述，以贷前、贷中和贷后三个信贷业务的阶段详细说明G银行中小企业的信贷业务风险管理过程，指出当前信贷业务流程中存在的问题与不足；最后本文针对上述问题进行剖析，将国内外学者的相关理论与G银行的实际情况相结合，以信贷业务的不同阶段进行分类，提出相应的解决措施。 本文在原有的商业银行中小企业信贷管理基础上，改进了贷前调查方法，完善了贷中审查过程，加强了贷后管理制度建设，从而起到防范外部风险的作用。希望能够通过研究提升G银行在中小企业信贷业务上的风险防范能力，促进本地区中小企业健康发展。
英文摘要：	With the rapid development of our country’s market economy, small and medium-sized enterprises (SMEs) have become essential forces that are driving the transformation and development of Chinese economy. The fourteenth meeting of the Financial Stability and Development Committee in 2020 focused on the financing of SMEs. Nevertheless, our country's commercial banks currently lack comprehensive and complete risk management construction in terms of SME credit management, including issues such as insufficient risk quantitative analysis. As a national joint-stock commercial bank, Bank G keeps expanding the credit business of SMEs. The main issue that Bank G encounters is the management of SME credit risks. This paper takes the SME credit business of Bank G Tianjin Branch as the research object. On the basis of investigation and research, it analyzes and summarizes the current situation, problems and reasons of credit risk management, draws on the mature theories of domestic and foreign banking scholars, and provides targeted research on Bank G Tianjin Branch to make recommendations on credit risk management for SMEs. The paper is structured in three parts as follows. The first part summarizes the reviews the domestic and foreign literature, introduces theories related to credit risks, the definition of SMEs and the classification and characteristics of SME credit business risks. After that, a brief introduction to the current development status of the SME credit business of Bank G Tianjin Branch is presented, with a detailed description of its three credit business stages: pre-loan, loan-in and post-loan. The development status, combining theory with practice, points out the problems and deficiencies in the credit business process in the current credit risk management. Last but not the least, the main issues are addressed and the solutions are proposed according to the different stages of credit business. Based on the original bank credit management for SMEs, this paper expands the pre-lending investigation method, improves the review process during the loan, strengthens the construction of the post-lending management system, and prevents external risks. Risk prevention enables the capabilities to promote the healthy development of small and medium-sized enterprises in the region.
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