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上饶银行南昌分行中小企业授信风险管理改进研究_MBA毕业论文DOC

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更新时间:2018/12/4(发布于江西)

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文本描述
摘要
中小企业在我国经济社会发展中具有举足轻重的地位和分量,我国对促进中
小企业快速发展先后颁布了很多政策,但是融资难依然是影响中小企业发展的普
遍问题。中小企业主要依靠自有资金来扩大经营规模,而外部融资渠道主要就是
银行,但是由于中小企业管理不规范、财务不健全等原因不能在以银行为代表的
金融服务行业获得良好的资金支撑,这一原因导致了企业资金的供应不足,危害
了企业的长远发展。然而中小企业同时又有高收益的特点,所以近段时间各种金
融机构也对中小型企业的资金支持业务进行了大力的支持,同时中小企业需要发
展,加大了融资需求的增长,中小企业授信风险管理越来越重要。近年来,国家
对中小企业的扶持力度持续加大,商业银行也积极响应号召,大力发展中小企业
授信业务,导致授信风险管理工作压力加大。为了既支持中小企业发展,又有效
地控制风险,还需要进行深入研究

本文以上饶银行南昌分行中小企业授信风险管理为例,首先从理论的角度对
中国商业银行的授信风险进行了阐述,同时针对地方性银行上饶银行的南昌分行
的特殊性,在此基础上对中国地方性商业银行的授信的风险管理进行深入的分析
和咨询。以此为基础找到地方性银行在中小型企业授信风险管理的过程中存在的
问题并产生的原因,针对原因设计相应的改进方案和支撑措施,主要思路是通过
降低中小企业授信业务两个重要环节的信息不对称,来达到有效控制中小企业授
信业务风险的目的。最后,提出如何实施上饶银行南昌分行中小企业授信风险管
理改进方案,主要从实施途径和保障条件两个方面论述,从而推进授信风险管理
改进方案的实施

分析表明,只有通过最大程度的化解和降低信息不对称,通过采取合理的风
险管理模式,才能在扶持中小企业的同时有效的控制授信业务风险

关键词:上饶银行南昌分行;中小企业授信;风险管理;信息不对称2
Abstract
With playing a very vital role in our S economy and social development, MEs
(Small and Medium-sized Enterprises) enjoyed lots of national policy which can
improve its rapid development these years. But financing difficulty still is a general
problem which had been influencing its sound development. SMEs expand its business
mainly with its own funds, and the major outside financing is band. Unfortunately,
with the inefficiency of regulation and finance. SMEs cannot receive enough finance
support from bank, which is leading representative of financial service field, then and
then endanger the long-term development of SMEs. But as a character of high profit,
financial agents offered strong support to SMEs recently. Then its very important to
manage the credit risk in the process of development and increasing financial demand.
Chinese government increased the support to SMEs these years, and so with the
commercial banks. The rapid development of credit business lead the difficulty of
credit risk management. We need to make intensive research on this issue, not only
supporting the development of SMEs but also controlling risk efficiently.
This article takes the example of SMEs’ credit risk management of Nanchang
Branch, Shangrao Bank, firstly states Chinese commercial banks’ credit risk
theoretically, then base
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