联系我们

论文查询结果	返回搜索

论文编号：	3759
作者编号：	2120092759
上传时间：	2011/11/25 10:55:03
中文题目：	天津银行中小企业信用评价体系研究
英文题目：	The analysis of small and medium-sized enterprises credit appraising system in bank of TianJin
指导老师：	王全喜
中文关键字：	天津银行；中小企业；信用评价
英文关键字：	Bank of Tianjin; SME; credit evaluation
中文摘要：	现阶段,无论是产品、规模、渠道、管理，城市商业银行与国有银行、股份制银行相比仍存在较为明显的差距。盲目地争抢大客户、大项目，不仅不能提高资金回报率，反而会增加城市商业银行的信用、流动性、操作等风险。而在中小企业服务上，城市商业银行一贯具有相对竞争优势，其扁平化的管理及运营结构有利于对市场变化做出快速反应，更适应中小企业“短、频、急、小”的融资需求特点。天津银行作为天津市的地方商业银行，坚持“服务地方经济、服务中小企业、服务城市居民”的定位，但是在不断变化的市场竞争中，对中小企业的信用评价体系疏于细分、缺少实用性和可操作性。本文本着理论联系实际的理念，在整体回顾天津银行对中小企业融资现今发展阶段存在的问题，总结国内外先进经验的基础上，对天津银行中小企业现有评价体系进行介绍，借鉴运用AHP方法对天津银行中小企业信用评价体系进行改进，重新设计了天津银行中小企业信用评价指标体系。最后，本文从一个现实的案例出发，为天津银行中小企业信用评价方法提供了新的想法和思路。
英文摘要：	Nowadays, city commercial bank remains an obvious gap with state-owned bank or joint stock commercial bank in the respect of scale, products, channels and management. Intensive business competition has bought them excessive enthusiasm on large enterprises or projects which may result in accumulation of credit , liquidity and operational risks rather than profit improvement. On the contrary, considered the features of SEMs financial requests, horizontal organization structure enables those city commercial bank gets more competition advantages by faster reacting to the changing market. As a local commercial bank, BOT always focuses on providing services for local economy, SEMs and citizens. However, being short of segmentation, practibility or maneuverability has limited the effectiveness of its SME credit evaluation system. To combine theories with practice, the article at first reviews the current issues on SEM clients of BOT financing activities. Then, on the basis of summarizing successful experience in and aboard, a detailed introduction is given about this SEM credit assessing system as well as the evaluation indicators redesigning in AHP approach. Finally, the case analysis is intent to offer different perspective for BOT SME credit assessing method.
查看全文：	预览  下载(下载需要进行登录)