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论文编号：	15153
作者编号：	2320213504
上传时间：	2024/12/11 8:48:57
中文题目：	M银行小微企业信贷风险评价指标体系优化研究
英文题目：	Research on the Optimization of the Credit Risk Evaluation Index System for Small and Micro Enterprises in Bank M
指导老师：	李元
中文关键字：	信贷风险；风险评价；商业银行；小微企业
英文关键字：	credit risk; risk assessment; commercial bank; small and micro enterprise
中文摘要：	随着社会经济的发展，小微经济体不断壮大，在社会经济发展中的推动作用日益突显，是促进国民经济发展的重要经济体。国家陆续发布利好小微企业发展的相关经济政策，大力扶持鼓励小微企业长足发展，但由于小微企业自身条件受限，生命周期较短，融资难的问题制约了小微企业的成长和转型。在国家政策的实施下，商业银行积极响应国家号召，为小微企业提供金融支持，但小微企业客群快速增长，使得商业银行面临的小微企业信贷风险加大，这对商业银行防范风险、做好信贷风险管理工作提出了更高要求，以更好地为小微企业的发展保驾护航。因此，探索影响小微企业信贷风险因素和如何准确评价和有效管理信贷风险成为M银行面临的重要课题。 M银行作为我国金融领域的重要支柱之一，以高度的社会责任感和使命感，积极响应国家政策号召，大力开展小微企业信贷业务。为小微企业带来了生机与希望。通过与小微企业的紧密合作，银行不仅能够实现业务的多元化发展，还能提升自身的社会形象和品牌价值。论文旨在深入探讨M银行小微企业信贷风险评价问题，通过对小微企业的特点、信贷业务的现状进行深入剖析，以及对信贷风险因素的梳理，同时对现行风险评价指标体系进行全面研究，找出存在的问题与不足。在此基础上，构建科学合理的信贷风险评价指标体系，为M银行提供可靠的决策依据。并提出切实可行的改进建议，使其在小微企业信贷业务的海洋中稳健航行，为M银行更好地管理小微企业信贷风险提供坚实的理论依据和富有价值的实践指导。 本研究为构建健康的小微企业融资环境，推动我国社会经济发展，奠定了重要的理论基础。在经济转型升级的关键时期，强化小微企业信贷风险管理，有助于破解小微企业融资困境，促进其健康成长。只有通过深入研究，持续完善信贷风险评价指标体系，才能使小微企业信贷业务成为商业银行的稳定收入来源，实现小微企业和商业银行的共同发展。同时，这也将有力推动我国社会经济保持持续、健康、稳定的发展态势，为实现全面建设社会主义现代化国家目标作出积极贡献。
英文摘要：	With the development of social economy, micro and small economic entities are constantly growing and their promoting role in social and economic development is increasingly prominent. They are important economic entities that promote the development of the national economy. The country has successively issued relevant economic policies that are beneficial to the development of small and micro enterprises and vigorously supports and encourages the long-term development of small and micro enterprises. However, due to the limitations of small and micro enterprises themselves and their relatively short life cycles, the problem of difficult financing has restricted the growth and transformation of small and micro enterprises. Under the implementation of national policies, commercial banks actively respond to the call of the country and provide financial support for small and micro enterprises to escort the development of small and micro enterprises. However, with the rapid growth of small and micro enterprise customer groups, the credit risk faced by commercial banks for small and micro enterprises also increases, and higher requirements are put forward for commercial banks to prevent small and micro enterprise risks and do a good job in credit risk management. Therefore, exploring the factors affecting the credit risk of small and micro enterprises and how to accurately evaluate and effectively manage credit risk have become important topics for M Bank. As one of the important pillars in China's financial field, M Bank, with a high sense of social responsibility and mission, actively responds to the call of national policies and vigorously develops credit business for small and micro enterprises. It has brought vitality and hope to small and micro enterprises. Through close cooperation with small and micro enterprises, M Bank can not only achieve diversified business development but also enhance its social image and brand value. The thesis aims to deeply discuss the credit risk evaluation problem of small and micro enterprises of M Bank. By deeply analyzing the characteristics of small and micro enterprises and the current situation of M Bank's credit business, as well as sorting out credit risk factors, and at the same time conducting a comprehensive study on the current risk evaluation system to find out existing problems and deficiencies. On this basis, a scientific and reasonable credit risk evaluation model is constructed to provide a reliable decision-making basis for M Bank. And put forward practical improvement suggestions to make it sail steadily in the ocean of small and micro enterprise credit business and provide a solid theoretical basis and valuable practical guidance for M Bank to better manage the credit risk of small and micro enterprises. This research has laid an important theoretical foundation for building a healthy financing environment for small and micro enterprises and promoting the development of China's social economy. In the critical period of economic transformation and upgrading, strengthening credit risk management for small and micro enterprises will help solve the financing difficulties of small and micro enterprises and promote their healthy growth. Only through in-depth research and continuous improvement of the credit risk evaluation system can small and micro enterprise credit business become a stable source of income for commercial banks and realize the common development of small and micro enterprises and commercial banks. At the same time, this will also strongly promote the continuous, healthy and stable development trend of China's social economy and make positive contributions to achieving the goal of building a socialist modern country in an all-round way.
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