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论文编号：	12514
作者编号：	2320180828
上传时间：	2021/6/15 1:01:36
中文题目：	B银行H分行中小企业授信业务风险管理研究
英文题目：	Risk Management Research on Small and Medium-sided Enterprises Loan of B Bank H Branch
指导老师：	张继勋
中文关键字：	中小企业授信;B银行H分行;风险管理
英文关键字：	SME loan;B bank H branch;risk management
中文摘要：	近些年来，随着我国经济发展模式的转变，经济结构性改革的逐渐深入，我国中小企业的数量增长缓慢，利润甚至出现了下滑趋势，其发展面临着前所未有的挑战，自身抵御风险的能力也随之下降，中小企业“融资难”的问题依然存在。而对于商业银行而言，由于中小企业自身的经营风险提高，银行的中小企业授信质量出现了明显下降，银行在对中小企业授信的风险管理过程中或多或少存在着一些缺陷。目前大多数商业银行存在短视、粗放的经营管理模式，风险管理措施落实不到位的现象突出，这都给银行带来了极大的贷款损失风险。我国商业银行对于中小企业授信的风险管理需要加强和完善，对其风险管理进行研究就显得非常有意义，有助于商业银行建立更加合理的风险管理体系，有效降低中小企业授信的风险。 本文结合了以前国内外学者对中小企业授信风险管理的研究，分析了中小企业授信的特点以及可能面临的风险，并对风险管理的理论基础进行了阐述。在此基础上，介绍了B银行H分行对中小企业授信的风险管理现状和业务流程，并选择了一个典型案例，指出B银行H分行在风险识别与评估方面、贷款审批机制方面以及对风险管理措施落实方面存在的问题，并针对这些问题提出了一些改进建议措施，包括健全风险识别与评估机制、完善贷款审批机制以及加强对风险管理措施的落实。以求可以针对中小企业授信的特点和风险，建立更加完善的风险管理机制，使中小企业授信的风险管理工作可以更加健康有序发展。
英文摘要：	In recent years, with the transformation of China's economic development mode and the gradual deepening of economic structural reform, the number of small and medium-sized enterprises in China has grown slowly, and their profits have even appeared a downward trend. Their development is facing unprecedented challenges, and their ability to resist risks has also declined. The problem of “financing difficulties” of small and medium-sized enterprises still exists. As for the commercial banks, due to the increasing of small and medium-sized enterprises’ operational risks, the credit quality of banks has significantly decreased, so there are some defects in the risk management process of loans to small and medium-sized enterprises. At present, most commercial banks have short-sighted and extensive operation and management mode, and the risk management measures are not implemented in place. They both bring great risk of loan loss to the banks. The risk management of the SME loan of commercial banks in China needs to be strengthened and improved. It is of great significance to study the risk management of the SME loan, which will help commercial banks to establish a more reasonable risk management system and effectively reduce the risk of the SME loan. This paper refers to the previous research of domestic and foreign scholars on the SME loan risk management, and analyzes the characteristics and risks of the SME loan, and expounds the theoretical basis of risk management. On this basis, this paper introduces the SME loan risk management and process of B bank H branch in detail, and selects a typical case. According to the process sequence of SME loan, this paper analyzes the risk management measures of this case, and summarizes the problems of SME loan risk management in B bank H branch. And this paper puts forward some feasible suggestions targeted to these problems in the last, in order to improve the level of risk management and reduce the risk of the SME loan in B bank H branch.
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