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论文编号：	5667
作者编号：	2220110920
上传时间：	2013/11/29 8:34:39
中文题目：	浙商银行中小企业贷前风险防范研究
英文题目：	The Research on the SMEs’ previous credit risk prevention By Zhe Shang Bank
指导老师：	韩经纶
中文关键字：	风险防范 中小企业信贷 浙商银行
英文关键字：	risk prevention; SMEs’ credit; Zhe Shang Bank
中文摘要：	中小企业的大量存在是经济发展的必然结果，也是市场竞争的内在要求，是国民经济的重要支柱，就我国而言，中小企业创造的GDP占据总量的“半壁江山”，所以，加快中小企业的发展，已经成为国民经济持续稳定增长的有力保障。但是，当前在中小企业的发展过程中普遍存在着融资难的问题，由于中小企业规模小，经营状况差、信息不对称等原因，导致商业银行对其的信贷风险高，这其中80%的问题来自于贷前的贷款调查、信息收集、信贷评估等不够规范和科学，因而对于商业银行，对于中小企业发展来说，中小企业信贷贷前防范是一个必须重视和亟待解决的问题。 浙商银行作为国内股份制商业银行的代表，其市场定位就是服务优质中小企业，同时所处区就是中小企业的聚集地，因而在公司的经营思路和发展战略中无不以中小企业作为重点服务对象。浙商银行也成立了专门的中小企业信贷中心，并设立了独立的运作模式及流程来优化信贷审批模式，实行了富有特色的风险监控官委派制度以及贷款流程和抵押方式的创新，等等，这使得浙商银行在中小企业信贷风险管理中处于领先地位，在国内中小企业信贷的贷前风险防范上具有值得专门研究和借鉴的意义和价值。 本文首先从理论的角度阐述了中小企业信贷贷前风险防范相关理论，包括商业银行信贷风险的管理理论、贷前风险贷前控制理论研究、中小企业信贷风险的防范理论等。通过对浙商银行中小企业贷款的现状分析、中小企业信贷的贷前风险分析来探索浙商银行在中小企业信贷方面，特别是贷前风险方面状况、风险防范措施，以此来构建浙商银行中小企业贷前信用评级体系。最后通过对某中小企业贷前风险防范的案例解析，来了解浙商银行中小企业贷前信用评级体系、风险防范措施的应用效果及存在问题，并提出相关的建议与对策，最终得到结论并进行展望。通过研究不仅全面分析了浙商银行中小企业信贷的贷前风险控制、信用评级体系等，并以案例为基础进行了实际应用和操作，这对我国中小企业信贷的风险防范，对于其他商业银行的风险管理都具有参考价值。
英文摘要：	The SMEs are the inevitable result of economic development , but also are the inherent requirement of market competition. To absorb employment, active market sentiment , promote economic growth and maintain market vitality prerequisite is an important pillar of the national economy , in our case , SMEs account for the total GDP created "half ", to speed up the development of SMEs has become a sustained and stable growth of effective protection. However, the current process of development in the SME financing problem prevails , because SMEs are small, poor operating conditions , asymmetric information and other reasons, which led to its commercial bank 's credit risk is high, the question of which 80% a loan from the loan before the survey , information collection, credit assessments are not standardized and scientific , and thus for commercial banks , for the development of SMEs , the SME credit loan before the guard is a must value and problems to be solved . Zhe Shang Bank as a domestic joint-stock commercial banks on behalf of their market positioning, which is high-quality services for SMEs , and SMEs in which the area is a gathering place , thus in the company's business ideas and development strategies of SMEs as a key service to all objects. Zhe Shang Bank has also set up a special SME credit center and set up an independent mode of operation and to optimize the credit approval process model , the implementation of a distinctive system and risk monitoring officer delegated mortgage loan process and innovative ways , and so on, this makes Zhe Shang Banks in SME credit risk management in a leading position in the domestic SME loan before credit risk prevention has merit special study and learn the meaning and value . Firstly, from a theoretical perspective of the SME loan before credit risk prevention theories , including commercial bank credit risk management theory, risk of the loan before the loan before the control theory , the SME credit risk prevention theory. Then Zhe Shang Bank loans to SMEs through the analysis of the current situation , the SME loan before credit risk analysis to explore Zhe Shang Bank credit for SMEs , in particular credit risk situation before , risk prevention measures , as a basis to build Zhe Shang Bank SME loan before the credit rating system . Finally, through a risk prevention SME loan before the case analysis , to understand Zhe Shang Bank SME loan before the credit rating system , the application effect of risk prevention measures and problems , and make relevant suggestions and countermeasures , and conduct final conclusion Prospects . By studying not only a comprehensive analysis of Zhe Shang Bank SME loan before credit risk control , credit rating system , etc., and in cases as the basis for a practical application and operation , which is China's SME credit risk prevention , and for other commercial banks risk management is a reference value.
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