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论文编号：	7303
作者编号：	2220130927
上传时间：	2015/6/4 21:51:19
中文题目：	某商业银行Z分行中小企业信贷风险管理研究
英文题目：	A study on credit risk management for small and medium-sized enterprises of a Commercial bank Z branch
指导老师：	陆宇建
中文关键字：	中小企业；商业银行；信贷风险管理
英文关键字：	small and medium-sized enterprises；commercial bank；credit risk management
中文摘要：	中小企业在国民经济中的地位越来越重要,发展中小企业业务将为商业银行带来更广阔的发展市场、更稳定的投资回报和更广泛的客户基础,中小企业信贷业务市场将是我国商业银行拓展的重要领域。银行作为货币经营的特殊企业,其在日常经营中面临着各种类型的风险,其中尤为突出的即是信贷风险。在我国中小企业规模小、经营财务不规范、抗风险能力弱等特征，使得商业银行风险防控的意义凸显。毫无疑问,加强中小企业的信贷风险管理,不仅影响着银行的经营绩效和竞争力,甚至还关系到银行资产的安全甚至其生死存亡。因此,本文以国内某商业银行Z分行为对象,研究我国商业银行中小企业信贷风险管理问题,对我国商业银行来说,具有重要的实践意义。本文首先对中小企业的特征及信贷风险进行分析，借鉴商业银行信贷风险理论为全文奠定理论基础。其次,本文对Z分行中小企业信贷风险管理的政策、流程架构及目前Z分行中小企业的风险现状进行剖析,从而归纳出目前Z分行出现如此严重的中小企业信贷风险的原因，包括业绩指标未考虑实际情况一味加码、激励与责任划分不清、贷前调查不全面、贷后管理不到位等问题。针对上述问题，本文对Z分行的中小企业信贷风险管理从制度体系到信贷全流程,提出了以下改进建议:发展与风险并重、明确激励指标、完善信贷流程及风险防控体系等。
英文摘要：	In our economy, small and medium-sized enterprises play an increasingly important role. In order to broaden the market and seek more stable returns on the investments, commercial banks are bound to regard the small and medium-sized enterprises’ credit market as an importantly developing area. As a special kind of enterprises engaging in monetary business, banks face various kinds of risks in daily operation, especially the credit risk. In China, small and medium-sized enterprises are characterized with small scale, non-standard business finance and weak ability to resist risks, which makes risk control of commercial banks more significant. There is no doubt that to enhance the credit risk management of small and medium-sized enterprises will not only affect the banks' business performance and competitiveness, but also relate to the security of bank assets. On this basis, this paper gives a study on credit risk management for small and medium-sized enterprises of commercial banks in China with the example of a commercial banks Z branch in China, which is of vital practical significance for commercial banks in our country. Firstly, the paper makes an analysis on the characteristics and risks of small and medium-sized enterprises, and draw commercial bank credit risk theory laid the theoretical foundation for the full paper. Secondly this paper analyzes the status of implementation and process risk point of the Commercial Bank Z branch, pointed out several major problems that exist in the small and medium-sized enterprises, including performance indicators do not consider the actual situation blindly overweight, incentives and division of responsibilities is unclear, loan management and other issues not in place. In response to these issues, the paper from the credit system to the whole process puts forward the following suggestions for improvement: both development and risk, a clear incentive targets, improve credit processes and risk prevention and control system and so on.
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