Z银行中小企业信贷风险管理存在的问题和对策研究工商管理专业论文.docxVIP

哈尔滨工业大学工商管理硕士学位论文 哈尔滨工业大学工商管理硕士学位论文 - - II - Abstract Since the role and status of medium-small enterprises in the economic development of China are more and more important, the financial issue in the development of medium-small enterprises receives more and more attention from all circles. As an important part of external finance for medium-small enterprises, commercial banks issuing credit funds is an important channel to solve the financial restriction in the development of medium-small enterprises. However, by contrast with large enterprises, medium-small enterprises have obvious differences concerning operation scale, management means, and market room. This requires commercial banks to research the risk control on credit business of medium-small enterprises. The establishment of risk control system must be in conformity with the operational characteristics of medium-small enterprises, as well as, obey the principles of loan risk management, in order to ensure the normal operation of this business, provide financial support for the development of medium-small enterprises, and beneficial assistance for the decentralization of financial risks of commercial banks and improvement of competitive power. This paper mainly researches how to make risk control on the credit of medium-small enterprises for Z bank as a state-owned commercial bank at basic level. Firstly, this paper analyzes the current circumstances of commercial banks financing medium-small enterprises in China, combining with these enterprises’ characteristics, pointing out the reasons why medium-small enterprises are difficult to get loan and characteristics of risk for credit business to medium-small enterprises. Secondly, finding out the problems and reasons in the credit management on medium-small enterprises for Z bank through analysis of current circumstances of credit assets of this bank, including: for medium-small enterprises, failure to establish independent credit organization and credit approv