不同于大型企业拥有广阔的融资渠道,中小企业一般只能依靠金融机构解决资金短缺
的困难,因此在大多数商业银行中,中小企业在企业信贷资产结构中所占比重较大,
是各商业银行重要的利润来源。但由于中小企业普遍存在于产业链的下端,随着生产
成本的不断提升,传统行业中的中小企业的经营利润逐渐被摊薄,伴随着实体经济下
行的环境变化,许多中小企业出现了生产经营困难的甚至关停的现象,同时引发了一
连串的信贷风险
本文站在 ZBNY 银行的角度,结合笔者在 ZBNY 银行中小企业信贷业务风险管
理中实际工作经验,从中小企业信贷风险来源入手,通过实际案例详细解析了该行中
小企业信贷风险管理体系和信贷业务流程,探讨了该行目前在中小企业信贷业务风险
管理中面临的诸多实际问题,并针对这类问题提出了一系列的信贷风险管理优化方案
和保障措施。希望本次研究成果能够为该行在未来的中小企业信贷风险管理工作提供
一定的帮助
关键词:信贷风险管理;中小企业;信贷业务;ZBNY 银行;山东理工大学硕士学位论文 ABSTRACT
II
ABSTRACT
Small and medium enterprises have become important support to the development of
national economy in our country at present. The government have study the development
problems of small and medium-sized enterprises for many times since 2014. It&39;s easy to see
that the government think highly of small and medium-sized enterprises. It&39;s different from
large enterprises that small and medium-sized enterprises don&39;t have broad financing
channels and they have to rely on financial institutions to solve the difficult of fund
shortage generally. The small and medium-sized enterprises have accounted for a largr rate
in the credit structure and have become an important profit source of most commercial
banks. But as a result of small and medium-sized enterprises are at the bottom of industry
chain, the operating profits of that in the traditional industry is bocomming less and less
with the increasing of the production cost. With the terrible environment of entity
economic,many small and medium-sized enterprises have difficulties in operating and
some of them that triggered a series of credit risk at the same time have even shut down.
I stand on the angle of ZBNY bank and combined with the work experience of
medium-sized enterprise credit risk management in this bank. Beginning with the source of
credit risk ,I analyse the small and medium-sized enterprise credit risk management
system and the credit business process of ZBNY bank and then discuss its practical
problems in the credit risk management of small and medium enterprises . At the same
time,I put forward a series prioritization scheme and guarantee measures for this kind of
problems. I hope that the research result can provide certain help to the small and
medium-sized enterprise credit risk management work of this bank in the future.
Key words:Credit risk management; Small and medium-sized enterprises; Credit
business;ZBNY Banks;山东理工大学硕士学位论文 目录
III
目 录
摘要........ I
ABSTRACT..II
目 录......III
第一章 绪论1
1.1 研究背景......1
1.2 研究意义......1
1.2.1 理论意义...........1
1.2.2 实践意义...........2
1.3 文献综述......2
1.3.1 国外文献综述...2
1.3.2 国内文献综述...3
1.3.2.1 中小企业信贷风险成因方面...3
1.3.2.2 中小企业信贷风险管理策略方面.......4
1.3.3 研究述评...........5
第二章 ZBNY 银行中小企业信贷风险现状..........6
2.1 ZBNY 银行中小企业信贷业务规模情况及特点...6
2.1.1 ZBNY 银行中小企业信贷规模情况.6
2.1.2 ZBNY 银行中小企业信贷业务特点.6
2.2 相关概念界定..........7
2.2.1 ZBNY 银行中小企业的划分标准.....7
2.2.2 信贷风险含义.7
2.3 ZBNY 银行中小企业信贷风险来源..........7
2.3.1 中小企业方面
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