沧州银行中小企业贷款信用风险治理分析.docVIP

沧州银行中小企业贷款信用风险治理分析 摘要 中小企业在中国的经济发展中有举足轻重的作用，而中小企业的贷款难问题在某种程度上阻碍了中小企业的发展。政府一直在出台各种政策解决这一问题，然而由于中小企业自身存在的问题等原因，成效甚微。向银行贷款，无疑是中小企业贷款的最主要方式之一，但银行考虑规避风险等因素，对于其贷款需求慎重考虑。同时，贷款是银行得到收益的主要来源，而其中对于中小企业的贷款也是必不可少的，这就使得银行在放贷与风险之间需要认真权衡，而在众多风险中，银行面临的最主要风险是信用风险，要保证放出去的资金能够及时收回，这需要银行采取较为有效的治理措施。 作为城市性商业银行，沧州银行的贷款业务中最主要的一部分是贷款给中小企业，而近年来沧州银行发展迅速，规模不断扩大，中小企业贷款的业务也在稳步发展中，对于帮助中小企业的发展起到了一定的作用。本文以沧州银行为例，通过论述沧州银行中小企业贷款业务的开展情况与其中存在的信用风险问题，分析信用风险的成因，同时针对信用风险治理问题提出一些对策。 关键词：信用风险，中小企业贷款，风险治理，沧州银行 Analysis on Credit Risk Governace of SME Lending of Cangzhou Bank Abstract Small and medium-sized enterprises (as ”SMEs” below) play an important role in the development of the economy of China, however, loan problems partly obstruct these enterprises’ development. The government has introduced a number of policies to solve the problems, but got bad effect because SME’ own problems and some other reasons. Lending from banks is the main way of loan, but banks think carefully for SME’ loan acquirement because of avoiding risk. Meanwhile, loan is the main source of profit and loaning to SME is indispensible, it lets banks to keep balance between loan and risk. In the varies risks, credit risk is the main risk, the banks should make sure that they can receive the money in time. So the bank need a complete system of credit risk management of SME lending. As city commercial bank, Cangzhou Bank’s main loan business is SME loan. Recent years, Cangzhou bank develops quickly, the scale is continually expanding, SME loan is developing steadily, it helps the development of SME. This paper takes Cangzhou Bank as a case, discussing Cangzhou Bank SME loan business development and credit risk problems, analyzing the causes of credit risk and put forward countermeasures on the management of credit risk. Key words: credit risk, SME loan, risk governace, Cangzhou Bank 一、绪论 （一）研究背景和意义 1.研究背景 目前，中国的经济主体中中小企业占绝大多数，它们作为推动中国经济发展的主力军，承担着解决就业，稳定社会，活跃经济等作用。近年来，中小企业的贷款难问题一直备受社会各界的关注，政府也出台了一系列政策来解决这一问题，但效果不是很理想。中小企业持续发展的关键就是资金，有了资