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《中國(guó)銀行濱州分行中小企業(yè)授信風(fēng)險(xiǎn)控制研究畢業(yè)論文》由會(huì)員上傳分享，免費(fèi)在線閱讀，更多相關(guān)內(nèi)容在工程資料-天天文庫(kù)。
1、摘要隨著中小企業(yè)在國(guó)民經(jīng)濟(jì)中的作用不斷強(qiáng)化，商業(yè)銀行對(duì)其關(guān)注度不斷提高，隨著我國(guó)政府一系列政策的岀臺(tái)，商業(yè)銀行逐漸開(kāi)始加大對(duì)中小企業(yè)的貸款力度，以緩解其融資難題。授信業(yè)務(wù)無(wú)疑已經(jīng)成為商業(yè)銀行最重耍的資產(chǎn)業(yè)務(wù)之一，但是一方血由于我國(guó)尚未建立起完善的社會(huì)信用體系，另一方面由于中小企業(yè)門身的發(fā)展面臨諸多難題，面臨的市場(chǎng)風(fēng)險(xiǎn)較大，其對(duì)于資金需求不斷旺盛的同時(shí)也為商業(yè)銀行帶來(lái)了一定的授信風(fēng)險(xiǎn)。如何進(jìn)行有效的屮小金業(yè)授信業(yè)務(wù)風(fēng)險(xiǎn)管理控制成為商業(yè)銀行冃前需耍亟待解決的重耍問(wèn)題。本文以中國(guó)銀行濱州分行為例，對(duì)其中小企業(yè)授信風(fēng)險(xiǎn)控制問(wèn)題進(jìn)行分析和研究。在不斷發(fā)展
2、屮小企業(yè)授信業(yè)務(wù)的過(guò)程屮，濱州分行不斷拓寬利潤(rùn)渠道、不斷開(kāi)拓新的信貸市場(chǎng)、不斷優(yōu)化信貸結(jié)構(gòu)，使得濱州分行實(shí)現(xiàn)了全新的發(fā)展。但是隨著中小企業(yè)授信業(yè)務(wù)的不斷發(fā)展，濱州分行面臨著很大的風(fēng)險(xiǎn)控制問(wèn)題。本文在對(duì)其中小企業(yè)授信業(yè)務(wù)發(fā)展現(xiàn)狀以及存在的主要問(wèn)題和原I大I進(jìn)行分析的基礎(chǔ)之上，以案例分析的形式深入分析了濱州分行目前屮小企業(yè)授信業(yè)務(wù)風(fēng)險(xiǎn)控制相關(guān)問(wèn)題。在文章最后提出了一系列的對(duì)策建議旨在不斷優(yōu)化濱州分行屮小企業(yè)授信業(yè)務(wù)風(fēng)險(xiǎn)控制。關(guān)鍵字：中小企業(yè)授信業(yè)務(wù)風(fēng)險(xiǎn)控制對(duì)策建議AbstractAstheroleofSMEsinthenationaleconomy
3、continuestostrengthen,commercialbankscontinuetoincreasetheirdegreeofconcern,withtheintroductionofaseriesofgovernmentpolicies,commercialbanksgraduallybegantoincreaselendingtoSMEseffortstoeaseitsfinancingproblems.Commercialenterprisecreditbusinesshasundoubtedlybecomeoneofthemo
4、stimportantbusinessassetsofcommercialbanks,butontheonehandbecauseofChinahasnotyetestablishedasoundsocialcreditsystem,ontheotherhandduetothedevelopmentofSMEsthemselvesfacedwithmanychallenges,marketriskthanthelarge,ithasalsobroughtsomeofthecreditriskcapitalrequirementsforcomme
5、rcialbankstocontinuestrongatthesametime.HoweffectiveSMEcreditriskmanagementandcontrolhasbecomeanimportantissuecommercialbankscuiTentlyneedtobesolved.Inthispaper,theBankofChinabranchinBinzhou,forexample,toanalyzeandstudyitsSMEcreditriskcontrolissues.Inthecourseofthecontinuous
6、developmentofSMEsinthecreditbusiness,Binzhoubranchprofitscontinuetobroadenthechannels,andconstamlyopenupnewcreditmarketscontinuetooptimizecreditstructure,makingBinzhoubranchestoachieveanewdevelopment.ButwiththedevelopmentofSMEcreditbusiness,Binzhoubranchesfacinggreatriskcont
7、rolissues.BasedontheanalysisofthestatusquoofitscreditbusinessdevelopmentofSMEsaswellasmajorreasonsfortheexistenceoftheaboveproblemsandtocasestudiesintheformofin-depthanalysisofthecurrentSMEBinzhoubranchescreditriskcontrolrelatedissues.Inthearticleconcludeswithaseriesofsugges
8、tionsdesignedtocontinuouslyoptimizeBinzhoubranchesofSMEcreditriskcontrol.Th
