联系我们

论文查询结果	返回搜索

论文编号：	4002
作者编号：	2220091824
上传时间：	2012/3/9 16:43:36
中文题目：	北京银行中小企业联保贷款信用风险控制研究
英文题目：	Research on the Credit Risk Control of SMEs Guaranteed Loans of Bank of Beijing
指导老师：	李莉
中文关键字：	中小企业，联保贷款，信用风险控制，北京银行
英文关键字：	Small and Medium-sized Enterprise, Guaranteed Loans, Credit Risk Control, Bank of Beijing
中文摘要：	自改革开放以来，我国中小企业已成为一支新生力量，在国民经济中发挥着越来越重要的角色，为我国经济的平稳增长做出了极大贡献。然而，中小企业融资难的问题却一直没有得到很好的解决，与大型企业具有广泛的融资渠道相比，中小企业的融资渠道却相对狭窄，主要依靠银行贷款这一外部融资渠道。因此，中小企业融资问题在很大程度上转变为中小企业的贷款问题。面对中小企业的融资困境，本文通过引入广泛应用于农户贷款的联保贷款方式，来解决中小企业融资难问题。联保贷款是借款者以在自愿为原则的基础上组合成联保小组，每个成员以为联保小组其他成员提供担保为条件而获得的贷款，内生的多边关系提高了该制度的运行效率，其优势是可以通过组建联保小组形成规模效应。 面对中小企业活跃度逐渐提高、资金的需求更加旺盛的局面，各级商业银行开始加大对中小企业信贷投入力度，并逐渐探索和开发出一些适合中小企业的贷款新模式和新产品。北京银行作为城市商业银行的代表，从成立最初就确立了服务中小企业的市场定位。在各类中小企业产品中，联保贷款也作为特色产品之一，被众多中小企业所采纳，特别是在钢铁贸易企业中广泛应用，并逐步向地方商会、商圈等区域、行业类中小企业集群中扩大。本文在对早期钢铁贸易行业中兴起的联保贷款模式做出分析，全面阐述了联保贷款的整个操作流程，以及银行在信贷操作过程中的手续、环节、风险点把控等要点问题，并在原有的操作模式下做出创新，通过引入第三方担保降低银行信贷风险。同时指出联保贷款模式之所以能够在北京银行得到广泛应用，主要表现为三个发面，即完善的内部管理体系、科学的信用评审体系、丰富的中小企业资源。最后文章指出，商业银行在将信贷业务重心转移至中小企业贷款业务的同时，应该注重风险的防范和规避，求得收益与风险的平衡，风险管理水平是商业银行能够实现业务转型的关键。
英文摘要：	Since the reform and open policy, our country small and medium-sized enterprises have already became a new force, in the national economy is playing an increasingly important role, as the stable growth of our economy has made great contributions. However, financing difficulties of the issue has not been well solved, and large enterprises with a wide range of financing channels, financing channel of small and medium-sized enterprises are relatively narrow, mainly rely on bank loans which is a external financing channel. Therefore, the financing of small and medium-sized enterprises in a large extent change for SME loan problems. Facing the financing predicament of small and medium enterprises, this article through the introduction of widely used in farmer loan of loan, to solve the problem of financing small and medium enterprises. Loan is a borrower in the principle of voluntary combined into a joint security group, through providing security guarantee for other member of the team, each member can get the loan, endogenous multilateral relations to improve the system operating efficiency, its advantage is through the formation of a joint security group to form the scale effect. The face of small and medium-sized enterprises active degree rise gradually, the demand of capital more exuberant situation, various commercial banks began to enlarge to the small and medium-sized enterprise credit investment, and gradually explore and develop some suitable for middle and small business loans to new mode and new products. Bank of Beijing as the city commercial bank’s representative, from its originally established to serve the small and medium-sized enterprise market positioning. In all types of small and medium enterprises in the product, guaranteed loans also as a feature of the product is one of the many small and medium enterprises, adopted, especially in the steel trade enterprises in extensive application, and gradually to the local chamber of Commerce, such as shopping area, industry cluster of small and medium enterprises to expand. In this paper on the early iron and steel trade industry group lending model to make an analysis, elaborated in the round loan of the entire operation process, as well as banks in the credit operation process procedures, link, risk control and other key issues, and in the original mode of operation to make innovation, through the introduction of third party guarantees for banks to reduce credit risk. Point out at the same time loan mode can be in Bank of Beijing are widely used, mainly for three yeast, namely, improve the internal management system, scientific credit evaluation system, abundant resource of medium and small businesses. Finally, the article points out, the commercial bank in the credit business focus shifted to the small and medium-sized enterprise loan business at the same time should pay attention to risk prevention and aversion, to obtain the balance between income and risk, the level of risk management in commercial banks to achieve business transformation key.
查看全文：	预览  下载(下载需要进行登录)