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论文编号：	7385
作者编号：	2220130959
上传时间：	2015/6/9 10:31:46
中文题目：	XX银行小微企业信贷风险管理研究
英文题目：	Research on Small and Micro Enterprises’ Credit Risk Management of Commercial Banks of XX Bank
指导老师：	王迎军
中文关键字：	XX商业银行；小微企业贷款；贷款风险管理；风控体系
英文关键字：	Commercial bank; Small and micro enterprises; Risk management
中文摘要：	我国小微企业的数量众多而且在推动社会经济的快速发展方面具有十分重要的作用，但小微企业却常常因为融资困难而陷入不同程度的经营困境。对此政府提出了一系列措施支持小微企业融资。因此，对商业银行来讲，小微企业的信贷支持不仅是银行维持利润的重要微观活动，也是其履行社会职责的手段；同时，通过发展小微企业信贷业务来调整银行资产结构从而提升其核心竞争力已经成为了银行业的普遍做法。　　　本文采取理论与实际相结合的方式，对中国银行小微企业信贷业务的现状进行分析，并在结果的基础上发现并解决问题。本文的内容结构主要如下：在小微企业融资难、融资贵的研究背景下对本文的选题意义进行了阐述，对国内外研究成果进行了梳理，概括了本文的研究内容。理论铺垫部分，主要对本文研究的主体“小微企业”做了概念上的界定和经济重要性的分析，对中外小微企业信贷风险管理的特点进行了描述，并提出了对中国商业银行小微企业风险管理过程当中应当借鉴的对策。中国银行案例分析部分主要介绍了小微企业信贷风险管理的现状，包括业务现状、贷前、贷中、贷后管理现状，并对中国银行风险管理的情况进行了综合评估；然后根据本人的实际工作经验对小微企业贷款中存在的问题进行了概括总结；最后则是根据前述提出的问题，提出了相应的对策建议。本文通过分析后认为，小微企业的风险管控对于商业银行的长远稳定发展至关重要，而商业银行的风险管理工作只有从内部管理和外部合作两个方面同时改进才能取得最佳的效果。
英文摘要：	The number of small and micro enterprises in our country is very big, and they play a very important role on promoting the development of the social economy. However, most of these enterprises often fall into difficult position in different degree because they?face difficulties in financing. Due to the situation above, the government and relevant departments recently released a series of policies and measures to support the development of small and micro enterprise. Therefore，for commercial banks, presenting more credit support to small and micro businesses is not only a micro decision related to bank’ profits, but an important way to fulfill its social responsibility. At the same time, due to the continuous changes of the macro economic situation and global financial environment, the banking industry is facing increasingly fierce competition. So more and more banks choose to adjust their capital structure by developing small and micro credit operations, in order to improve their core competitiveness. However, behind the rapid development of credit operations, the unique characteristics of the small enterprise, including unstable operation condition and low transparency of financial information, have posed a challenge to the banks’ credit risk management. Therefore, it’s necessary to understand the features of small and micro credit operation risk, and improve the level and efficiency of credit risk control. 　　　This paper uses both the theoretical and practical methods to analyze the current situation of XX bank’ credit operation of small and micro business, and then find and solve problems on the basis of the results. The main content and structure are as follows: The first part is introduction, which mainly states the background, significance and main methods of the research; The second chapter is the theory part, which makes essential foreshadowing for the following study. It gives a definition of small and micro enterprise which is the subject of the study, and introduces their economic importance. On the basis of that chapter 2 also states the credit risk characteristics of China’s commercial banks; The third chapter to the fourth chapter is the case study of XX bank. The third chapter introduces the current situation of small and micro enterprises’ credit risk management in XX bank, including the development status of small and micro enterprises’ credit operation in XX bank, and its risk analysis. After that, this chapter gives a comprehensive evaluation of the bank’s risk management status; Chapter 4 points out some problems of the small and micro enterprise’s credit risk management in XX bank; Finally, the last chapter putting forward a series of targeted countermeasures on the basis of former chapters. The paper argues that, risk management of small and micro businesses is important for commercial bank's long-term and stable development. But risk management only works when both the commercial bank’s internal management and external cooperation are improved.
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