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论文编号：	7491
作者编号：	2120122634
上传时间：	2015/6/10 19:36:55
中文题目：	NS 银行中小企业信贷风险控制研究
英文题目：	NS Banks of small and medium-sized enterprise credit risk control research
指导老师：	李莉
中文关键字：	中小企业；信贷；风险控制；商业银行
英文关键字：	Small and medium enterprises; credit; risk control; commercial bank
中文摘要：	2015年我国中小企业的发展处于经济转型期，经济体量增速由高速增长变为中速增长，国际宏观经济增速下滑。经历了将近30年的高速增长后，我国经济在未来一段时间会保持增速降低的趋势。2014年我国GDP增速为7.4%，比上一年度下降3%。在我国GDP增速下滑的背景下，中小企业的发展面临巨大的挑战，中小企业研发能力差，管理不规范，资金短缺，都成为制约中小企业发展的原因，尤其以资金缺乏最为重要。 银行作为一个特殊的企业，主要以经营风险和货币为主。近两年国家逐渐向中小企业的政策倾斜和扶持，加大了银行对于中小企业的信心，但同时由于中小企业各种问题，使得中小企业的信贷风险不断地暴露出来，这就对于银行来说，在追求更高利润的同时，要将风险控制在自身能力可以承受的范围之内，这就要求银行的风险管理水平不断地提高。 本文就对于NS银行的中小企业贷款的案例进行分析，找出目前NS银行的风险控制的问题并从几个封面提出解决方案，提高NS银行的风险控制水平，在占领更多中小企业信贷市场的同时，将风险控制在合理的范围之内，为未来的发展提供一定的借鉴。 本文共计六章，第一章为绪论，主要是阐述本文研究的背景及意义等，第二章为相关理论和研究现状的概述，第三章为NS银行中小企业信贷风险控制的现状分析，第四章和第五章为本文重点，第四章介绍了NS银行中小企业信贷风险控制模式的改进，第五章运用NS商业银行案例进行分析原有的信贷风险控制，和各种因素对于改进后的风险控制模式的影响。第六章为总结全文并且得出结论。
英文摘要：	By 2015, development of small and medium-sized enterprises of our country is in economic transition period, the economic volume growth by the rapid growth of change to the medium speed growth, the macro economic growth decline. Experienced nearly 30 years of rapid growth, China's economy in the next period of time will keep the growth rate of reducing the trend. In 2014, the GDP growth rate of our country was 7.4%, down 3% compared with the previous year. Under the background of China's GDP growth rate decline, the development of small and medium-sized enterprises face enormous challenges, small and medium-sized enterprise R & D ability, management is not standardized, the shortage of funds, have become reasons for restricting the development of small and medium-sized enterprises, especially to fund lack is the most important. As a special enterprise, the bank is mainly based on business risk and currency.. Nearly two years of national gradually to the small and medium-sized enterprise policy tilt and support, to increase the bank confidence in the small and medium-sized enterprise, but at the same time due to small and medium-sized enterprises (SMEs) amount of various problems, making the credit risk of SMEs continue to be exposed, which for the banks, in the pursuit of higher profits at the same time to control the risk in their own ability to withstand range, which requires the bank's risk management continue to improve. In this paper for NS bank lending to small and medium-sized enterprises case analysis, find out the NS bank risk control problems and cover from several proposed solutions, improve ns bank risk control level, in the occupation of more small and medium enterprises credit markets at the same time, to control the risk within a reasonable range, for the future development provide certain reference. In this paper, a total of six chapters, chapter one is the introduction, mainly expounds the background and significance of this paper and so on, the second chapter is an overview of the relevant theory and research status of. Chapter 3 ns bank SME credit risk control of the status quo analysis, the fourth chapter and the fifth chapter is the key point of this thesis, chapter four introduced ns bank SME credit risk control mode improvement. Chapter five use ns cases of commercial bank original credit risk control, and various factors for improved risk control mode effect analysis. The sixth chapter is the conclusion and conclusion.
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