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论文编号：	8768
作者编号：	2120142804
上传时间：	2016/12/8 11:35:37
中文题目：	招商银行S分行中小企业信贷风险管理研究
英文题目：	The Credit Risk Management Research of The Small and Medium-sized Enterprises in China Merchants Bank S Branch
指导老师：	张晓农
中文关键字：	招商银行，中小企业，信贷风险管理
英文关键字：	China Merchants Bank，Small and Medium-sized Enterprises，Credit Risk Management
中文摘要：	商业银行是维护我国经济和金融稳定的重要基石，而中小企业是我国经济体系中的重要组成部分，伴随着改革开放三十多年的高速发展，二者在数量和规模上都有惊人的扩张。商业银行的盈利模式以利差收入为主，资产质量决定着银行的经营业绩，也关乎整个国家金融体系的稳定，对中小企业信贷风险管理的研究始终是一个热门话题。2013年以来，我国经济面临结构化转型，增长速度有所回落，中小企业的生存环境面临严峻挑战，商业银行不良贷款余额大幅攀升。本文从提高商业银行信贷风险管理水平出发，通过阐述我国中小企业的经营和融资特点，剖析了商业银行面临的风险环境，并揭示管理过程中暴露的问题。以招商银行S分行对中小企业信贷风险管理为例，总结传统模式下的既有优势，通过对资产质量的详尽分析，层层拨开问题本质，并相应提出优化建议，旨在为新形势下应对中小企业信贷风险提供科学依据，提高整理管理水平。
英文摘要：	Commercial bank is the important cornerstone which keeps China's economic and financial stable, however the small and medium-sized enterprises is an important part of economic system in China, along with the high-speed development of reform and opening-up in 30years , both the quantity and size has a remarkable expansion. Interest income is given priority in Commercial Banks profit model .The quality of assets decides the performance of the bank and the stability of the whole nation's financial system. The credit risk management research of the small and medium-sized enterprise keeps to be a hot topic. Since from 2013, because of facing the structural transformation, our country’s growth fall back. The living conditions of the small and medium-sized enterprises face serious challenges. The non-performing loan balances of commercial bank rise sharply. This article embarks from the improvement of commercial bank credit risk management, with the elaboration of our country small and medium-sized enterprises’ operation and financing characteristics. It also analysis the risk of environment which the commercial Banks have to face, and reveals the problems exposed in the process of management. For example, The credit risk management research of the small and medium-sized enterprises in China Merchants Bank S branch .It summarizes the existing advantages of traditional mode .We can find the nature of the problem and give comments and suggestions through the detailed analysis of the asset quality, Aimed at enhancing the whole management level and providing a scientific basis for small and medium-sized enterprise credit risk.
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