交通银行中小企业信贷风险管理问题与对策研究-以广东省为例

交通银行中小企业信贷风险管理问题与对策研究-以广东省为例(论文12000字)
摘    要
    改革开放后，市场经济的迅猛发展，中小企业数量日渐增多，在我国经济发展发挥着举足轻重的作用。广东省作为我国经济主力的省份之一，同时也是中小企业聚集之地，特别是珠三角地区的中小企业一直扮演着重要的角色，是推动广东省经济发展的主要动力。然而，始于2008年的金融危机予以中小企业的产业升级和健康发展重重一击。在这种状况之下，尽管国家极力推崇一些有益于中小企业发展的政策，但最后因中小企业的贷款周期与银行规模宽松周期不匹配，受银行认可的有效抵押物偏少或不足值以及企业财务管理不规范这三大原因屡屡受阻。这些政策的成效不足以及中小企业自身的问题使得信贷风险管理问题与对策研究提上日程。
    本文以七大章节就广东为例的交通银行中小企业信贷风险管理的问题与对策进行研究，首先是用导论引出课题背景、意义、研究方向、国内外发展现状以及研究内容与方法步骤，从整体上对文章进行概括和论述。其次，通过分析交通银行中小企业信贷风险管理的现状，指出广东省交通银行中小企业信贷风险管理中在运营、制度方面存在的一些漏洞。再次，在整合和借鉴了境内外商业银行在中小企业信贷风险管理的举措之后，提出了三个对策用以解决所提出的问题。最后，对本课题进行归纳总结。

关键词： 中小企业，信贷风险管理，广东省交通银行
 
Bank of communications of small and medium-sized enterprise credit risk management problems and countermeasures research
--in guangdong province as an example
ABSTRACT
After the reform and opening, the rapid development of market economy, the increasing number of small and medium-sized enterprises, plays an important role in the economic development of our country. As one of the main provinces in China, guangdong province, is also a gathering place for small and medium-sized enterprises, especially the pearl river delta region of small and medium-sized enterprises play an important role all the time, is the main power to promote the economic development of guangdong province. Began in the 2008 financial crisis, however, to industrial upgrade and healthy development of small and medium-sized enterprises. Under this situation, although countries vigorously promoting some policies are beneficial to the development of small and medium-sized enterprises, but in the end because of the small and medium-sized enterprise loan cycle scale easing cycle does not match with the bank, the bank approved effective pawn less or lack of value and the enterprise financial management rules [资料来源：www.doc163.com]
Taking seven chapters on guangdong as an example of bank of communications of small and medium-sized enterprise credit risk management problems and countermeasures of research, the first is introduction to use lead to topic background, significance, research direction and current development at home and abroad and the research content and method of steps, the article summarized and discussed as a whole. Secondly, by analyzing the current situation of small and medium-sized enterprise credit risk management of bank of communications, points out that the bank of communications in the credit risk management of small and medium-sized enterprises in guangdong province in the aspect of operation, the system exist some loopholes. Again, in the consolidation and draw lessons from the domestic and overseas commercial bank credit risk management in small and medium enterprises measures, put forward three countermeasures to solve the problem of the proposed. At last, the paper summarizes this project.

KEYWORDS：Small and medium-sized enterprises, credit risk management, bank of communications in guangdong province
 
目    录
1 导论    1
1.1 研究背景与意义    1
1.1.1 课题背景    1
1.1.2 课题意义    1
1.2 研究方向及国内外发展现状    2
1.2.1 课题研究方向    2
1.2.2 国内外发展现状    2
1.3 课题研究内容与方法步骤    3
1.3.1 课题研究内容    3
1.3.2 研究方法步骤    3
2 交通银行中小企业信贷风险管理现状及问题    4
2.1 交通银行中小企业信贷风险管理概述    4
2.1.1 交通银行的基本介绍    4
2.1.2 交通银行中小企业信贷风险管理的现状    4
2.2 交通银行中小企业信贷风险管理存在的问题    5
2.2.1 对企业需求了解匮乏    5
2.2.2 风险管理的约束    6
2.2.3 中小企业信贷风险管理体系不健全    6
2.2.4 面向中小企业融资产品短缺    7

[来源：http://www.doc163.com]

3 境内银行处理中小企业信贷风险管理方案借鉴    8
3.1 浦发银行    8
3.1.1 浦发银行简介    8
3.1.2 浦发银行中小企业信贷风险管理现状及弊端    8
3.1.3 浦发银行完善中小企业信贷风险管理的策略    9
3.2 中国银行    9
3.2.1 中国银行简介    9
3.2.2 中国银行中小企业信贷风险管理现况    9
3.2.3 中国银行应对中小企业信贷风险管理的措施    10
4 交通银行中小企业信贷风险管理的对策建议    11
4.1 完善信贷投放机制    11
4.2 强化责任机制    12
4.3 推动与中小企业合作的新动力    12
参考文献    14
后    记    15