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论文编号：	5363
作者编号：	2220110260
上传时间：	2013/6/6 21:38:25
中文题目：	商业银行的中小企业信贷风险管理研究----以H银行为例
英文题目：	Small and medium-sized enterprises loan risk management research of commercial bank----for example H bank
指导老师：	张晓农
中文关键字：	商业银行 中小企业 信贷风险管理
英文关键字：	commercial banks , the small and medium—sized enterprises, credit risk management
中文摘要：	随着我国市场化程度逐步提高，中小企业已经成为我国现代国民经济的重要组成部分，在国民经济运行和社会快速发展中发挥着越来越重要的作用。中小企业的信贷业务需求也得到商业银行越来越高的重视。商业银行为了谋求自身更好的发展，优化业务结构和分散风险，逐渐扩大中小企业信贷业务在整个银行信贷业务中的比重，中小企业信贷业务已成为商业银行重要的利润增长点。但站在银行信贷角度来讲，中小企业有其自身的特殊性，如信息非对称性、抗风险能力弱、高信用风险等因素的影响，中小企业信贷风险问题不断显露，不良贷款率也不断攀升。因此，在商业银行发展中小企业信贷业务的同时，深入探讨中小企业信贷风险管理流程，构建中小企业信贷业务的风险管理体系，对于商业银行而言是十分必要的。本文站在商业银行的角度，从鼓励、支持、发展中小企业信贷业务对我国经济发展的意义以及我国商业银行谋求自身更好地发展的角度入手，运用信息不对称理论、信贷配给理论、交易费用理论以及预期收益理论分析我国银行对中小企业信贷风险管理的成因分析，并结合笔者在商业银行从事信贷业务工作的实践经验，以H银行为例，探讨了H银行中小企业信贷业务的现状，H银行发展中小企业业务的重要性及目的，以及该业务发展中存在的主要问题。本文认为，在发展H银行中小企业信贷业务中，H银行应进一步提升风险控制能力来削弱因中小企业的信息不对称带来的风险，而其中贷款审批流程繁琐、中小企业贷款担保方式比较局限缺乏、缺乏科学合理的定价机制、没有完善的适合中小企业信贷业务客户经理的绩效考核激励机制，都是目前H银行中小企业信贷风险管理中存在的主要问题。本文通过实际案例，系统构建了中小企业信贷业务风险管理的流程优化，适合中小企业的信用评价体系优化，以及针对发展中小企业业务的客户经理的绩效考核机制。最终的目的都是提高H银行的中小企业信贷业务的风险控制能力，掌握强有力的核心竞争力。
英文摘要：	Since the increasing of the marketable level in China, the small and medium-sized enterprises is being an important part of the national economy and social development, and have gradually become the main motive force for the operation of the national economy growth. At the same time, the loan business requirement from small and medium-sized enterprises is more and more valued by commercial bank. For searching a better developing, commercial banks need optimize the business structure, dispersed the risk,gradually has increased the proportion of the the small and medium-sized enterprises loan business in the overall loan business. Now, the small and medium-sized enterprises loan business has been become a new profit growth point. However, as a result of information asymmetry, poor risk—resisting ability, high debit risk and other factors, the small and medium-sized enterprises loan risk is being exposed and non—performing loan rate goes on increasing. Therefore, in the development of the small and medium-sized enterprises loan business, at the same time, it is necessary for commercial banks to deeply research the small and medium-sized enterprises loan risk management, build the small and medium-sized enterprises loan risk management system. 　　　The article standing on the point of commercial banks, the author sets out from the significance of national economic development and banks’development for encouraging and supporting to develop the small and medium-sized enterprises loan business, applies information asymmetry theory, credit rationing theory and transaction cost theory and the anticipated-income theory to analyse the reason of the small and medium—sized enterprises credit risk, and combines with the author's experience about working many years in the commercial bank, for example H bank, investigates the situation about the small and medium—sized enterprises loan business, the importance and the purpose for developing the small and medium—sized enterprises loan business, and its problem. The author think that weaken the risk form the information asymmetry need promote the risk control capability. And the small and medium—sized enterprises loan business has some main problem like cumbersome approval process, lack guarantee mode, lack scientific and logical pricing mode, lack perfect performance appraisal, etc. Finally, the purpose in this article is improving the risk control capability of the small and medium—sized enterprises loan business in H bank, and grasping at the core competitiveness.
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