浙江省中小企业的银行信贷融资风险防范对策研究【毕业】.docVIP

本科毕业论文（设计） 论文题目：浙江省中小企业的银行信贷融资风险防范 对策研究 所在学院 专业班级 金融学 学生姓名 学号 指导教师 职称 完成日期 年 月 日 毕业论文独创性声明 本人郑重声明所提交的毕业论文是本人在指导教师的指导下进 行的研究工作及取得的研究成果。除文中特别加以标注的地方外， 论文中不包含他人已经发表的学术成果或者他人为获得高等院校学 位而使用过的材料，论文中不涉及任何知识产权纠纷。否则，木人 将承担一切责任。 学生签名： 日 期： 屮小企业在我国的经济发展屮有着重要的地位以及作用，但是由于屮小企业 普遍存在资产少，抗市场风险能力弱、财务制度不健全等问题，使得商业银行对 中小企业贷款存在着较高的风险，使得中小企业在发展中而临的资金短缺与融资 难得问题。中小企业信贷融资是困扰世界各国的难题。在我国己经成为现阶段制 约中小企业持续发展的重要障碍。为中小企业提供信贷融资支持，既是中小企业 发展的必然要求，也是商业银行自身深化改革一项重要内容。浙江省作为中国民 营经济发展的先驱，更是中小企业发展大省。本文从浙江省屮小企业的银行信贷 融资问题及风险表现出发，剖析了中小企业信贷融资难问题的内在成因和解决途 径。同时，论文通过实际案例详细解析了商业银行信贷风险管理的主要内容，具 体从系统性风险和财务风险两方面对屮小企业信贷风险进行了评估，并在此基础 上探讨了银行信贷风险的控制和管理。 关键词：中小企业；银行信贷融资；成因；对策 Abstract Small and medium-sized enterprises in Chinas economic development has an important position and role, but because of the prevalence of small and medium enterprises assets less, resist market risk ability is weak, the financial system is diseased wait for a problem, make the commercial bank loans to small and medium-sized enterprises have a higher risk, making small and medium enterprises face in their development and shortage of funds and financing a rare problem? Small and medium-sized enterprises1 credit financing is the world difficult problem puzzles. In our country has become restricts the small and medium-sized enterprise sustainable development at the present stage the important barrie匚 For SMEs to provide credit support for small and medium-sized enterprises, is the inevitable requirement of the development of commercial banks, but also an important content of deepening reform. This article from the Zhejiang province small and medium-sized enterprise bank credit financing problems and risk performance sets out, analysed the difficult problem of financing of credit of medium and small businesses the internal cause and solution. At the same time, the paper through an actual case, a detailed analysis of the commercial bank credit risk management main content, specifically from the systematic risk and financial risk in two aspects o