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论文编号：	5077
作者编号：	2220100986
上传时间：	2013/5/24 12:48:26
中文题目：	商业银行对中小企业融资的风险管理研究
英文题目：	Research on risk management of commercial bank for financing to small and medium enterprise
指导老师：	戚安邦教授
中文关键字：	商业银行，融资，中小企业，风险管理
英文关键字：	commercial banks,small and medium-sized enterprises,financing,risk management
中文摘要：	在国民经济发展当中，中小企业的地位举足轻重，并大有推动国民经济可持续发展的趋势。但由于中小企业的经营不规范，财务信息可信度低，抵押物不足，抗风险能力弱等缺点的存在，多数商业银行不愿介入中小企业市场，中小企业融资难问题已受到多方关注，解决中小企业融资难问题具有十分重要的现实和历史意义, 因此商业银行对中小企业融资的风险管理已经成为一个迫切需要研究的课题。本论文通过对中小企业融资难的原因分析，从商业银行角度探讨如何识别、度量融资风险，加强银行对中小企业贷款的风险的对策，希望能够达到银行与企业共赢。本论文共分六部分，第一部分为绪论，在阐述课题研究背景和研究意义的基础上，对研究的内容和方法进行理顺；第二部分是对融资理论、贷款风险控制理论和目前有关中小企业融资研究的简单综述；第三部分是针对我国中小企业发展现状，对当前我国中小企业融资现状进行分析，揭示出中小企业融资难的情况及银行惜贷的原因；第四部分阐述了由于中小企业融资风险的存在，商业银行为了更好地为这些企业提供金融服务，建立风险识别和度量机制势在必行；第五部分介绍了商业银行采取多种风险控制为求尽量降低中小企业信贷风险，推进中小企业融资业务的顺利开展；最后是本论文研究的结论、建议和不足。
英文摘要：	The status of the small and medium-sized enterprises in the national economy is very important, and they are increasingly becoming the new force to support the sustainable development of China's economy. But because of the small and medium-sized enterprise management is not standardized, low reliability of financial information, lack of collateral, weak ability to resist risks and drawbacks, most commercial banks reluctant to intervene in the market of small and medium enterprises, small and medium-sized enterprise financing difficult problem has received much attention, solving the difficult problem of financing of small and medium enterprises has a very important practical and historical significance, so risk management commercial bank financing of small and medium enterprises has become an urgent need to study. Through analyzing the reasons of financing for SMEs, to explore how to identify, measure the financing risk from the perspective of commercial banks, measures to strengthen bank loans to small and medium-sized enterprise risk, hope to be able to reach the bank and enterprise win-win. This thesis is divided into six parts, the first part is the introduction, mainly introduces the research perspective and research based on the significance and background, the; second part is to briefly review the theory and the financing of small and medium-sized enterprise financing theory research of risk control, the loan; third part is in view of the current situation of the development of small and medium-sized enterprises in China, the current financing situation of SMEs in China are analyzed, reveals the reasons of the financing difficulties of SMEs and banks higher; the fourth part elaborated the because the financing risk the existence of small and medium enterprises, commercial banks in order to provide better financial services for these enterprises, establish the risk identification and measurement mechanism be imperative; the fifth part introduces commercial banks to take more risk control to reduce the credit risk of small and medium-sized enterprises, to promote SME financing business smoothly; finally is the conclusions of this study, suggestions and problems.
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