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论文编号：	5906
作者编号：	2120112806
上传时间：	2013/12/6 12:59:41
中文题目：	浦发银行中小企业信贷业务风险控制研究
英文题目：	Small and Medium-sized Enterprise Credit Business Risk Control Research of Shanghai Pudong Development Bank
指导老师：	李莉
中文关键字：	中小企业;银行信贷;风险控制;浦发银行
英文关键字：	Small and Medium-sized Enterprises (SMEs);Bank Credit;Risk Control;SPD bank
中文摘要：	随着中国经济的高速发展，中小企业如雨后春笋般迅速建立，我国中小企业的发展规模在国民经济中占据了很大的比重，为了鼓励中小企业的发展，一些扶持中小企业发展的金融政策相继出台。因此，商业银行逐渐开始面向中小企业开展信贷业务，并有针对性的制定适合中小企业信贷需求的金融产品。本文从商业银行信贷风险的角度，探讨中小企业信贷业务在整个商业银行信贷业务风险中的成因及相应的信贷风险控制方法研究。本文在信贷风险理论知识的指导下，结合笔者所在银行具体的信贷实务工作以定性分析为主的方法并结合具体信贷数据进行阐述，通过具体的实施方案进行具体阐述，探讨中小企业在商业银行信贷过程中风险产生的因素以及银行如何应对的方法。同时，本文提出了结合现有债券市场业务特点，将债券发行过程的评级机构对发行人的主体评价机制引入银行的间接融资的操作方法，除各个商业银行根据各自风险偏好及评级系统评定出的借款人信用等级外，结合外部评级结果，共同评判借款人的实际风险度创新点。把外部评级机制作为银行间间接融资的共同评判标准，这样共性与个性风险评价相结合的方法，对于商业银行贷款前判断中小企业信贷风险起到一定得防范作用。本文之所以选择该题目是因为，本文作者所就职的商业银行是一家以经营企业信贷业务为主的商业银行，同时作者的工作岗位也是从事企业信贷工作，因此将实际工作中具体操作在风险理论的指导下加以应用，进而能够更好的甄别信贷企业所在行业的特点和经营过程中暴露出的风险、制定满足实际操作的风险防范措施并提出解决途径和预防措施，将风险规避作为信贷业务的首要工作，在中小企业发展中实现银企双赢。本文在研究商业银行信贷风险控制的同时，也积极强调银行既然作为一种经营风险的特殊机构，不应该惧怕风险，而是应该采取更为先进和有效的措施防控风险事件的发生，利用金融衍生产品进行风险缓释和对冲，对于风险与收益进行博弈分析。
英文摘要：	With the rapid development of China's economy, small and medium-sized enterprises have sprung up rapidly established, our country small and medium-sized enterprise the role and status in the national economy development more and more important, countries have introduced a series of policy support and promote the development of small and medium-sized enterprises. The development of large enterprises is the stage of growth and development of small and medium-sized enterprises. Therefore, commercial Banks began to gradually geared to the needs of small and medium enterprises to carry out the credit business, and targeted financial products suitable for small and medium-sized enterprises credit demand. This article from the perspective of commercial bank credit risk, explore the small and medium-sized enterprise credit business in the business of commercial bank credit risk causes and the corresponding control method research of credit risk. In this paper, under the guidance of credit risk theory, combined with the specific risk control policy guidance, the author bank credit management decision-making process and the characteristics of credit products and applicability, using the qualitative analysis is given priority to, combined with the quantitative analysis method, through theoretical guidance and cross case analysis, try to solve the problem of small and medium-sized enterprise financing bank loan risk in this issue provides some ideas and methods. At the same time, this article put forward combining with service characteristics of existing bond market, the bond issuance process of the rating agencies to the issuer bank indirect financing, introduced the main body of evaluation mechanism, in addition to the various commercial Banks according to their risk appetite and rating system to assess the borrower's credit rating, combined with external rating as a result, the common judge the borrower's actual risk degrees of innovations. External rating mechanism can be used as the common criteria between bank indirect financing, the risk evaluation, the combination of universality and individuality for prior to commercial bank loans to small and medium-sized enterprises must slow-release effect of credit risk. But we also see, at present, small and medium-sized enterprise customers because of the widespread information asymmetry is serious, anti-risk ability is weak, imperfect management etc, makes the small and medium-sized enterprise loan high potential risk, risk management is difficult. Expatiates the purpose and significance of this paper is, vigorously develop small and medium-sized enterprise credit business in commercial Banks, to small and medium-sized enterprise financing motivation and way, enterprise characteristics and risk characteristics, formulate feasible risk prevention measures and put forward the corresponding solutions, trying to avoid risk, to realize win-win situation argues in support development of small and medium-sized enterprises. Based on the research of commercial bank credit risk control at the same time, also emphasizes the bank now that as a kind of special organization management risk, should not be afraid of risks, but should adopt a more advanced and effective measures of prevention and control of risk events happen, use financial derivatives for slow-release and hedge risk, game analysis for the benefits and risks.
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