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论文编号：	8027
作者编号：	2120132745
上传时间：	2015/12/10 14:47:23
中文题目：	我国商业银行小微企业信贷风险管理的难点和应对措施——一组联保不良贷款的启示
英文题目：	Difficulties and Countermeasures of small and micro enterprises credit risk management of commercial banks in China ——A group of non-performing joint guarantee loans’ enlightenment
指导老师：	牛建波
中文关键字：	小微企业信贷；风险管理；难点；应对措施
英文关键字：	small and micro enterprises credit; risk management; difficulties; countermeasures
中文摘要：	日前，国家提出了“大众创业、万众创新”的经济发展方针，而创业和创新的主要载体就是小微企业。小微企业在国家经济发展中扮演着重要的角色，然而其融资难的问题一直没有得到很好地解决，如何在做好信贷风险管理的基础上为小微企业提供更多更好的信贷资金支持已经成为了一个世界难题。小微企业信贷风险管理所存在的问题既有小微企业自身抗风险能力差、担保措施弱的问题，又有银行信贷风险管理措施不到位不健全的问题，还有政府在为银企双方搭建公平诚信的交易环境方面不完善、对小微企业贷款扶持措施落实不到位的问题。小微企业信贷业务是银行信贷业务的重要组成部分，对小微企业信贷风险管理的研究具有非常重要的现实意义。本文借助信贷风险管理的理论，以实证分析的方法，通过对一组联保不良贷款的研究，指出了小微企业不良贷款发生的主要原因，分析了小微企业信贷风险管理的难点，提出了加强小微企业信贷风险管理的应对措施。通过本文的研究希望能够对小微企业信贷风险管理有所借鉴和帮助，并对解决小微企业融资难题有所贡献。
英文摘要：	Recently, the state put forward the policy of "public entrepreneurship and innovation", the main carrier of entrepreneurship and innovation is the small and micro enterprises. Small and micro enterprises play an important role in the national economic development, but the problem of its financing has not been well solved, how to provide more and better loans for small and micro enterprises based on good credit risk management has become a difficult problem in the world. The small and micro enterprises credit risk management has many existing problems, such as small and micro enterprises in their own ability to resist risk, security measures are weak, and the measures of bank's credit risk management is not in place and not perfect, and the government does not build perfect a fair and honest trading environment for the bank and the enterprise, the small and micro enterprise loan support measures to implement does not reach the designated position. Small and micro enterprise credit business is an important part of the bank credit business, which has a very important practical significance for the study of small and micro enterprise credit risk management. With the help of the theory of credit risk management and the empirical analysis method by study of a group of Joint secured non-performing loans, points out the main cause of non-performing loans of small and micro enterprises, analyzes the difficulties of small and micro enterprises credit risk management, and puts forward the strengthening measures of credit risk management of small and micro enterprises. Through the research of this thesis, hope that we can learn more from the small and micro enterprises credit risk management, and help to solve the problem of financing difficulties of small and micro enterprises.
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