我国商业银行对中小企业授信问题研究.pdfVIP

要 多年来，我国商业银行对中小企业授信一直持谨慎态度，但是日益激烈的同 业竞争要求我国商业银行必须寻找新的“利润增长点”。而中小企业在我国国民经 济发展中的地位和发挥的重要作用，使之逐渐成为商业银行实现可持续发展的一 个新的目标客户群。如何使商业银行在对中小企业授信过程中实现 “双赢”是当 前需要我们解决的一项迫切的任务。鉴于此，本文主要研究商业银行对中小企业 的授信问题。 文章首先对商业银行授信、中小企业等基本概念进行阐述，扫除人们对商业 银行授信、中小企业等认识上的误区。然后，对中小企业融资理论和商业银行授 信风险管理理论进行分析，从而为后续研究奠定相关理论基础。其次，对中小企 业信贷市场的供求状况进行分析，重点分析了总体环境、中小企业信贷市场的需 求和供给状况，并在此基础上探讨我国商业银行对中小企业授信的新进展。文章 用较大篇幅以赣州市中国银行对中小企业的授信业务为例，对赣州市中国银行授 信业务的现状、存在的问题和原因等进行了分析，并在此基础上提出完善中小企 业信贷风险的控制体系和完善中小企业信贷风险的管理体系的具体对策，以期从 根本上提高商业银行对中小企业授信的效果。 关键词：商业银行 授信 中小企业 1 Abstract Over the years, Chinas commercial banks become cautious to credit to SMEs. The competition in the same industry become much more fierce, so Chinese commercial banks must find a new profit growth point. The small and medium enterprises play an important role and status of national economic development in China. They become a new target customer of commercial banks. We need to solve how to make the commercial banks to achieve win-win in the SME credit process. And it is an urgent task. The paper mainly commercial banks to issue credit to SMEs. At first, this article describs the basic concepts of the credit of commercial banks and the small and medium enterprises. It can eliminatemany persons erroneous understanding of the credit to commercial banks and the small and medium enterprises. Then, this paper analysis the theory of credit risk management. It layed the relevant theoretical foundation for the research in future. Secondly, we analysised the supply and the demand of the SME credit market. we focused on the overall environment, the SME credit market demand and supply conditions. Finally, this paper takes the Bank of China, Ganzhou City as an example. it analyzed the problems and the