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论文编号：	1497
作者编号：	2120082475
上传时间：	2010/5/20 3:00:03
中文题目：	商业银行中小企业信贷风险管理研究—以国家开发银行为例
英文题目：	Study on Small and Medium-sized Enterprises Credit Risk Management from Bank Angle: A Case Study of China Development Bank
指导老师：	于斌 教授
中文关键字：	国家开发银行；信用风险识别；信用风险计量；贷款关联风险
英文关键字：	CDB; Risk identification; Risk measurement; Associated risk
中文摘要：	摘要 中小企业对我国的经济增长和社会发展的推动作用日益重要，政府颁布了一系列政策大力支持中小企业发展，其中更是通过银监会等金融监管机构，对银行提出了支持中小企业发展的具体要求。一些具有前瞻性视野的银行已经意识到，中小企业将是未来业务发展的方向。然而，一个不容忽视的问题是，由于中小企业存在规模小、抗风险能力弱、缺乏担保物、经营不规范、公司治理不完善、信息不透明等问题，中小企业信贷违约风险普遍较高。因此，本论文将从银行角度，通过对中小企业的信用风险管理的研究，以期能促进银行在风险可控的前提下，加大对中小企业发展的融资支持力度。 本论文的主要结论可概括为如下几方面： （1）总结了美国富国银行中小企业贷款的成功模式。可以概括为：创新的、低成本的分销技术的使用；信用评分模型的广泛应用；对每个账户的约束、评估和风险的监控减少了损失风险并确保了利润；从银行最高管理层的支持到银行的高技能、负责任的员工是新技术有效运行的重要保障。 （2）分析了国家开发银行中小企业信贷风险管理存在的问题。主要有：中小企业分类较粗，没有对微型企业进行界定，对其开展信贷业务而言，不够简洁；中小企业信用评级打分卡设计不尽合理，无法准确反映中小企业信贷风险；统贷方式存在缺陷；对贷款关联风险的识别与计量还有待提高。 （3）提出了国家开发银行中小企业信贷风险管理实施意见。主要有：提出了将中小企业细化为微型企业、小型企业和中型企业的新标准；开发中小企业贷款信用评分（SBCS）技术；完善“统贷”模式，建立激励约束机制；以具体实例的方式，给出了提高关联风险识别和计量的方法。 关键词：国家开发银行；信用风险识别；信用风险计量；贷款关联风险
英文摘要：	Abstract Small and medium-sized enterprises(SMEs) play an increasingly important role in China's economic growth and social development. The Government promulgated a series of policy support of SMEs, especially, put forward specific requirements to support SMEs development through the China Banking Regulatory Commission and other financial regulators. Some forward-looking vision of the banks have realized that SMEs will be the future direction of business development. However, one should not be ignored, due to the small scale of SMEs, weak anti-risk ability, lack of collateral, business irregularities, inadequate corporate governance, information opacity problems and so on, SME credit risk of default generally higher. Therefore, this thesis will study the SMEs Credit Risk Management from bank angle, to increase financing support for SME development under the premise of risk control. The main conclusions of thesis can be summarized as the following aspects: (1) Sum up the successful SMEs lending models of Wells Fargo Bank. Can be summarized as: Innovative, low-cost distribution of the use of technology; Extensive use of credit scoring models; Constraints on each account, the risk assessment and risk control to reduce losses and ensure a profit; The support of top management and the bank's highly skilled and responsible staff is an important safeguards to ensure the effective operation of new technologies. (2) Analyze SMEs credit risk management problems of the China Development Bank. Can be summarized as: Coarse classification of SMEs, and there is no definition of micro enterprises; The model of platform loan has drawback; The identification and measurement of associated credit risk should be improved. (3) Put forward implementation of the measures about SMEs credit risk management for China Development Bank. Can be summarized as: Present new standard of SMEs; Develop SBCS technology for SMEs; Perfect the model of platform loan, establish incentive and restraint mechanisms; Put forward the way of improving identification and measurement of associated credit risk. Key words：CDB; Risk identification; Risk measurement; Associated risk
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