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论文编号：	2529
作者编号：	2220070904
上传时间：	2010/6/11 14:16:15
中文题目：	中国银行中小企业信贷风险管理研究
英文题目：	The Research of minor enterprise financial credit risk of Bank of China
指导老师：	白长虹
中文关键字：	关键词：中国银行 中小企业 信贷风险
英文关键字：	Keywords: Bank of China, Minor enterprise, Financial credit risk
中文摘要：	经过了三十几年的发展，我国中小企业已经发展为国家建设的一支重要力量，我国企业总数中有90%都是中小企业，它们每年为我国贡献50%左右的GDP，为70%左右的人创造了就业机会。然而，在我国中小企业融资难问题却表现得尤为突出，特别是在金融危机时期，中小企业原本脆弱的资金链极容易断裂，如果不能拓宽其融资渠道，将给我国经济的稳定发展造成威胁。在这种情况下，我国政府积极制定支持银行为中小企业提供信贷服务的多项政策，新政支持下，我国中小企业融资难问题得到部分解决，为我国中小企业进一步稳定发展奠定了基础。 本文以金融危机时期，国家出台相关政策支持中小企业信贷发展为背景，为中国银行设计中小企业信贷风险评价体系和管理机制。本文认为为了能设计出更为实用的中小企业信贷风险评价体系，应首先对中小企业的信贷风险特点进行分析，在了解了中小企业融资难问题的成因后，确定风险暴露的主要形式，在此基础上确定风险监测点。此后，结合中国银行中小企业信贷业务的发展目标，为其制定出中小企业信贷风险评价原则，在原则的指导下设计中小企业信贷风险评价体系。最后，才能在该体系的基础上为中国银行建立具体的中小企业信贷管理机制。 因此，本文按上述思路安排本文的章节结构：第一章主要用于介绍本文的研究背景、意义、研究方法和主要内容，并在对核心概念进行界定后，对相关理论进行回顾；第二章对我国中小企业的信贷风险特点进行分析、识别并对关键影响因素作指标化处理；第三章为中国银行设计中小企业信贷风险评价体系；第四章在该体系的基础上设计中小企业信贷风险管理机制；最后在第五章对全文进行总结，并给出政策建议。 经过研究本文认为：第一，我国中小企业融资难问题有其客观成因，不能简单地归咎于银行体系和政府政策；第二，中小企业信贷风险评价体系要体现成本效益原则，尽可能用最小的评估代价，获取最准确的评价结果；第三，中小企业信贷风险管理应以服务为导向，服务对象即包括对客户的服务，还应包括后台作业部门对信贷操作人员的支持与服务。
英文摘要：	Through thirty years development, our miner enterprise has became an important constructing power for our country, the 90% of all enterprise is miner enterprise, they contribute about 50% GDP every year, and supply about 70% job opportunity for citizen. However, the financing difficult problem for minor enterprise is very serious in our country, especially in the financial crisis period; the weak cash chain of minor enterprise is likely break. If we can not find new financing channel for them, the bankruptcy of minor enterprise will bring threaten to our economy developing stability. In this situation, our government design many policies actively, to support banks to expand minor enterprise financial credit business. Under new policies’ support, the financing difficult problem has been resolved partly, and it is the base to support the minor enterprise further development. In this paper, we start from the analysis to financial crisis, and take it that the government has supplied many policies to support minor enterprise financial credit development as background, and we designed a minor enterprise financial credit risk evaluate system and a minor enterprise financial credit risk management system for Bank of China. In this paper we think that for designing the financial credit risk evaluate system, we should analyze the minor enterprise credit risk features firstly, when we have know what are the reasons which lead the financial difficulty problem, we can confirm the main manifestations of risk exposure, and we can confirm the test point to decide risk grade. And then, we combined the developing aim of Bank of China, design risk evaluate rules for minor enterprise, guided by this rules, we designed the minor enterprise risk evaluate system. Finally, we establish the embodied minor enterprise credit risk management system, based it. So we arranged chapter structure according to above line: in chapter one, we introduced research background, significance, research method, and after defined the core concepts, we reviewed related theories; in chapter two, we analyzed, identified, to financial credit features of minor enterprise, and find norms to represent the features; in chapter three, we designed minor enterprise financial credit risk evaluate system for Bank of China; in chapter four, we designed minor enterprise risk management system based on risk evaluate system; finally in chapter five we conclude all paper and give us policy suggests. Through research we think that: firstly, the financial difficulty problem of minor enterprise has objective reasons, we can not blame government and banks easily; secondly, the design of minor enterprise credit risk evaluated system has to agree with cost-effective rule, we should accurate evaluate enterprise’s risk, and memorize the cost; thirdly, the minor enterprise risk management is services-oriented, the objects of service not only include consumers, but also include the support and service from back workers to front credit workers.
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