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论文编号：	7036
作者编号：	2120122922
上传时间：	2014/12/10 18:38:32
中文题目：	商业银行中小企业信贷风险管理研究——以中国建设银行T分行为例
英文题目：	Commercial Bank Credit Risk Management for SMEs：A Case Study of China Construction Bank T Branch
指导老师：	余娟
中文关键字：	贷款定价；5C要素分析法；网络信贷
英文关键字：	Loan pricing; 5C factor analysis method; The network credit
中文摘要：	中小企业处于市场服务的前端，是推动我国经济增长、繁荣市场的主要力量。从中央、国务院等有关部门对发展中小企业都给出了许多明确的指示和优惠的政策。然而，近几年受经济增长放缓及结构调整力度加大等影响，小企业客户生产经营困难加剧，加之部分企业多头融资和过度融资、涉足民间借贷、过度扩张及盲目投资等引发的风险暴露增加，给商业银行信贷资产质量带来巨大压力。本文以中国建设银行T分行为研究对象，通过案例分析的方法，归纳出商业银行中小企业信贷风险管理存在的问题和实施建议。希望能促进商业银行中小企业信贷业务健康快速地发展。 首先，本文阐述了商业银行中小企业信贷风险管理的选题背景和研究意义，确定了研究内容和研究方法，形成了论文结构。通过对商业银行中小企业信贷风险管理相关理论回顾，形成了本文的主要理论依据。其次，分析中国建设银行T分行信贷风险管理的现状及存在的问题，归纳出中国建设银行T分行中小企业信贷风险管理主要存在贷款定价不科学、人员配给不足、贷前调查的不深入、组织结构不完善四个方面问题。然后，提出了中国建设银行T分行信贷风险管理的实施建议，主要有优化贷款定价模式、将5C要素法引入贷前审查、完善人员结构、探索网络信贷模式等。最后，总结了本文的研究结论与创新，并提出了后续研究建议。
英文摘要：	Small and medium-sized enterprises are in the front of market services, is the main driving force for China's economic growth, market prosperity. From the central government, the State Council and other relevant departments on the development of small and medium-sized enterprises have given many clear instructions and preferential policy. However, in recent years by the economic slowdown and the structural adjustment efforts influence, small business customers are experiencing difficulties in production and management of risk and intensified, part of the enterprise financing and financing excessively, the bulls in the folk borrowing, over expansion and blind investment lead exposure increased, brings enormous pressure to the commercial bank credit assets quality. This paper takes China Construction Bank T branch of Chinese research object, through case analysis method, sum up the existing management of commercial banks credit risk problem of small and medium-sized enterprises and the implementation suggestion. Hope to promote commercial bank SME credit business healthy and rapid development. First of all, this paper expounds the management of credit risk of commercial banks of the small and medium-sized enterprise background and significance of the study, determine the research content and method, forming the structure of the thesis. According to the relevant theory of commercial banks and SMEs credit risk management review, the formation of the main theoretical basis for this article. Secondly, analysis of the current situation of credit risk management in China Construction Bank T branch and the existing problems, summed up the SME credit risk management of China Construction Bank T branch mainly existing loan pricing is not scientific, staffing shortages, the loan before the survey is not thorough, the organizational structure is not perfect in four aspects. Then, this paper put forward suggestions on credit risk management of China Construction Bank T branch, mainly has the optimal loan pricing model, the 5Celement method is introduced into the pre loan review, improve personnel structure, explore the mode of Internet credit etc.. Finally, summarize the conclusion and innovation of this research, and puts forward some advice for future research.
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