联系我们

论文查询结果	返回搜索

论文编号：	9233
作者编号：	2120152786
上传时间：	2017/6/12 22:49:05
中文题目：	FS城市商业银行中小企业信贷业务风险管理研究
英文题目：	Research on the risk management of SME credit business in FS City Commercial Bank
指导老师：	李莉
中文关键字：	城市商业银行;中小企业信贷;信贷风险;风险管理
英文关键字：	city commercial banks; SMEs Loan; credit risk; Risk management
中文摘要：	自2012年以来，国内经济增长速度开始变缓，国内外需求不足，钢铁、煤炭等行业产能严重过剩，企业频频出现风险事件，特别是中小企业生存困难，紧绷的资金链让其经营难以为继，违约风险不断上升，银行信贷资产质量严重下滑。 近年来，随着经济全球化，我国商业银行不断发展，积极应对国际金融监管，风险管理得到了广泛重视并取得了显著的成绩。但是，面对我国商业银行风险管理现状，仍然有许多亟待解决的问题，比如未建立全面的风险管理体系，风险计量手段落后，风险管理经验欠缺等，这些问题都会阻碍我国商业银行的继续发展。城市商业银行主要的服务对象为中小企业，由于中小企业自身经营的缺陷和城市商业银行在风险管理方面经验的不足，加剧了其在信贷业务方面的压力和风险，所以，城市商业银行必须提升自身的风险管理水平，提升信贷资产质量。 本文旨在通过信贷风险管理的相关理论阐述和实践研究相结合的方式，以FS城市商业银行中小企业信贷业务为例，在对商业银行中小企业信贷业务风险理论进行阐述的基础上，深入分析FS城市商业银行中小企业信贷业务风险特点及管理现状，指出其在中小企业信贷业务风险管理方面存在的问题，进而提出一些优化意见和措施，从而为FS城市商业银行及金融领域的其他机构开展中小企业信贷业务提供参考价值和理论依据。
英文摘要：	Since 2012, the domestic economic growth rate slowed, insufficient domestic demand, steel and coal industry overcapacity, enterprises frequent risk events, especially the survival difficulties of small and medium-sized enterprises, tight financial chain for its operating difficult to continue, rising default risk, a serious decline in the quality of bank credit assets. In recent years, with the economic globalization, China s commercial banks continue to develop, actively respond to international financial regulation, risk management has been widely recognized and achieved remarkable results. However, in the face of China's commercial bank risk management situation, there are still many problems to be solved, such as the establishment of a comprehensive risk management system, risk measurement and risk management methods are backward, lack of experience, these problems will continue to hinder the development of China s commercial banks. City commercial banks mainly serves for the small and medium-sized enterprises, small and medium-sized enterprises due to lack of management defects and city commercial banks experience in risk management, increased its credit operations in terms of pressure and risk, therefore, city commercial banks must improve their risk management level, enhance the quality of credit assets. This paper aims to combine the credit risk management related theory and practice research methods, to FS City Commercial Bank SME credit business as an example, in this paper the theory of risk of credit business of commercial banks of small and medium-sized enterprises, in-depth analysis of the status quo and characteristics of risk management of FS City Commercial Bank SME credit business, points out the existing in the small and medium-sized enterprise credit risk management problems, and put forward some optimization suggestions and measures, to provide reference and theoretical basis for other institutions to FS City Commercial Bank and the financial sector to develop SMEs credit business.
查看全文：	预览  下载(下载需要进行登录)