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论文编号：	3216
作者编号：	2120092424
上传时间：	2011/6/5 0:06:57
中文题目：	我国商业银行中小企业贷款信用风险评级研究
英文题目：	The Research on Credit Risk Rating of China''''s Commercial Bank to SMEs Loans
指导老师：	焦媛媛
中文关键字：	中小企业贷款;信用风险评级;层次分析法;模糊综合评级法
英文关键字：	SMEs loan;credit risk rating;analytic hierarchy process (AHP);fuzzy comprehensive evaluation
中文摘要：	随着我国经济体制的不断改革与完善，民营经济的飞快发展和壮大，中小企业逐步成为我国国民经济发展不可或缺的重要部分。但是其发展壮大却存在诸多的障碍，其中，中小企业贷款难的问题就是一个长期存在并严重影响中小企业发展的关键问题，而贷款难问题又是由我国商业银行信用风险评级体系的不完善决定的。目前，我国商业银行对企业都采用同一评级标准，没有专门针对中小企业的信用风险评级体系，在一定范围内和一定程度上造成中小企业的风险夸大化，加剧了其贷款的难度。 目前，信用风险评级问题也已引起了广泛关注，但是国内尚未形成统一有效的针对中小企业贷款的信用风险评级模型，鉴于此，本文借鉴国内外的理论研究成果，结合我国中小企业的贷款特性和商业银行的信用风险特性，在现行的商业银行信用风险评级体系的基础上提出改进思路，建立一套完整有效的针对中小企业贷款的商业银行评级指标体系，并采用层次分析法和模糊综合评价法构建适合我国中小企业贷款的商业银行信用风险评级模型。最后，本文选取两家有代表性的中小企业进行案例研究，证明本文提出的信用风险评级模型在中小企业的实际评级工作中具备较强的实用性、准确性和可操作性，为商业银行进行中小企业贷款的信用风险评级提供参考，具有较强的现实意义。
英文摘要：	As the reform of China’s economic system and the development of the private economy, SMEs in China have gradually become an indispensable part of the national economic development. But its development and expansion still faces many obstacles, among which, the loans difficulty is the key problem which is long standing and restrict the development of SMEs. The main cause of the loan difficulty due to the faultiness of the credit risk rating system in china’s commercial bank. At present, our commercial banks use the same rating standard to evaluate all kinds of the enterprises, instead of special credit risk rating system for SMEs, which may overstate the risks in some scope and extent and increase the difficulty of SMEs loans. At present, the credit risk rating problem has attracted extensive attention, but there has not been formed a consolidated effective credit risk rating model for SMEs loans yet. In view of this, this thesis draws lessons from the theories at home and abroad, combines the characteristics of our country’s SMEs loans and the commercial bank’s credit risk, proposes the way to improve the current credit risk rating system of the commercial bank, establishes a set of effective rating index system of the commercial bank for SMEs loan, uses the method of analytic hierarchy process (AHP) and fuzzy comprehensive evaluation to establish the credit risk rating model of the commercial bank for our country’s SMEs loan. The thesis chooses two appropriate SMEs for case study and evaluates there credit level using this model, the results show that the credit risk rating model in SMEs loan proposed by this thesis is practical, exact and operable, they provide references for the credit risk rating with the SMEs loan in our commercial banks and have a strong practical significance.
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