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论文编号：	6635
作者编号：	2220120400
上传时间：	2014/12/1 22:54:00
中文题目：	A银行小微企业信贷风险管理研究
英文题目：	Research on Credit Risk Management of A bank’s Small and Micro Businesses
指导老师：	白长虹
中文关键字：	商业银行;小微企业;信贷;风险管理
英文关键字：	Commercial Bank;Small businesses;Credit;Risk management
中文摘要：	小型和微型企业一直在快速发展的国民经济中，企业数量占比最高，是国民经济的重要支柱，特别是对容纳就业、技术创新方面有着大、中型企业无法取代的地位。随着近年来利率市场化的进程不断加快，规模大的企业金融脱媒现象日益明显，政府从多方面加大对小微企业的扶植力度，国内银行业客户目标不断“下沉”，资产中对小微企业的信贷比例明显增加。 中国银监会于2010年2月23日要求，小企业信贷投放做到两个“不低于”———增速不低于全部贷款增速，增量不低于上年，之后中国银行业小微企业贷款增速和增量已经连续多年实现了这一政策目标。虽然与小微企业的金融服务需求相比，仍有较大差距，但在银行的存量资产中，小微客户的风险问题也已经在不断暴露出来。特别是当前经济进入了增长速度换挡期，结构调整阵痛期，前期刺激政策消化期三期叠加的重要关口。从产业结构看，由于我国小微企业主要集中在加工制造业、批发零售、餐饮消费等领域，而本轮经济减速又主要是因出口需求大幅下滑和消费“稳中略降”所致，因而小微企业受经济减速影响的程度更大。中国银行业协会发布的《中国银行业发展报告（2012～2013）》预计，小微企业的风险可能将逐渐进入暴露期。 商业银行在经过快速发展后，往往会积累了一些经验和教训，本文以商业银行风险管理理论作为整体分析框架，结合国内银行在小微企业风险管理实践和国外优秀银行富国银行的经验特点，从市场定位、产品管理、风险控制技术等方面尝试剖析小微企业信贷风险管理不足的深层次原因，提出小微企业信贷风险管理的优化方案。
英文摘要：	Since the rapid development of the domestic economy, small and micro-enterprises in promoting economic growth, increasing employment, technological innovation and plays an irreplaceable role in terms of social harmony and stability. Along with the accelerated process of interest rate liberalization in recent years, big business financial disintermediation is growing, and in many ways the Government increase the intensity of support for small and micro enterprises, domestic banking customer goals "sinking", significantly increased the proportion of credit for small and micro enterprises. China's banking regulator asked on February 23, 2010, small business credit, "Two no less favorable"---growth rate not less than the total loan growth, an increase of not less than the previous year, bringing small business loan growth and increases in Chinese banking has for many years to achieve this policy objective. Compared with the financial services needs of small and micro enterprises, is still a big gap in the banks ' stock assets, however, small customers are also increasing levels of risk. Especially in the current economy entered a period of growth into the shifting, faced with throes of structural adjustment, stimulus to digest in the early period superposition of three important points. From the perspective of industry structure, because of China's small and micro businesses are mainly concentrated in areas such as manufacturing, wholesale, retail, food and beverage consumption, and this economic slowdown is mainly due to the export slump in demand and consumption "stable and somewhat", so small and micro businesses more affected by the economic slowdown. The China banking development report released by the China Banking Association (2012~2013), estimates, risks of small and micro businesses can expose gradually into periods. Commercial banks in after fast development , often will accumulated has some experience and lessons, paper to commercial banks risk management theory as overall analysis framework, combines domestic bank in small micro enterprise risk management practice and abroad excellent Bank rich Bank of experience features, from market positioning, and products management, and risk control technology, aspects attempts to analysis small micro enterprise award letter risk management insufficient of deep causes, proposed small micro enterprise credit risk management of optimization program.
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