中小企業(yè)授信風(fēng)險(xiǎn)管理研究.pdf

1、對外經(jīng)濟(jì)貿(mào)易大學(xué)碩士學(xué)位論文中小企業(yè)授信風(fēng)險(xiǎn)管理研究姓名：唐立凱申請學(xué)位級(jí)別：碩士專業(yè)：金融學(xué)指導(dǎo)教師：孫東升20100401AbstractSMEsasamarketeconomythemostactivegroupshasbecomethecrucialdriversofChina’Seconomicdevelopmentandsocialprogresswithitsproducttechnologyinnovation，indu

2、strialrestructuring，mitigationofemployment，foreigntradeandstatetaxrevenueplayinganimportantroleBytheendofSeptember2009，thenationalindustrialandcommercialregistrationofenterprisesreaches103millionUnderthecurrentcriteriafo

3、rtheclassificationSMEsisestimatedteach10231millionmorethan99％ofthetotalnumberofenterprisesAtpresent，SMEstocreatethefinalproductsandservicesWOrththeequivalentof60％ofthegrossdomesticproductaroundthecountrytaxamountedtoabou

4、t50％ofthetotaltaxrevenueprovidingnearly80％ofurbanjobsHoweverinsharpcontrastwiththisisthatthetotaleconomicontputofSMEsintheproportionofeconomicoutputandtheiraccesstobankloansratioisextremelydisproportionate，accountingform

5、orethan99％oftotalenterprisesSMEsaccountforlessthantheamountofloans20％Comparedwithlargeenterprises，SMEshavethecharacteristicsofsmalIcapital，weakproductcompetitiveness，backwardmanagement，financialopaque，lessavailablecollat

6、eralspropertybankloanstoSMEshavetobeargreaterrisksAtthesametime，thedemandforcapitalforSMEshasthecharacteristicsofshortfrequentfast，thetraditionalbankcreditmanagementcannotmeettherequirementsofSMEsmoreoverincomeisdi硒cultt

7、ocoveritsCostsThereforecommercialbankscredittoSMEshavepassionwithoutpowertherehasbeentheplightofSMEfinancingHoweverhowtoSOlvethisdilemmabetweenbanksandenterprisestoachievewinwinsituationbetweenSMEsandbanksCOoperationThis

8、isthetypeforthetopicsofthisproblem，standingpointofhowtobuildacommercialbankcreditriskmanagementsystemforSMEsInadditiontointroduction，theconclusionpa^thepapercomprisesthleeparts：Thefirstpart，anoverviewofSMECreditRiskManag

9、ement，firstanalyzesthecreditriskcharacteristicsofSMEs。followedbytheintroductionofChina’Scommercialbankstothetraditionalcreditriskmanagement，methods，andthencombiningcharacteristicsofsmallandmediumenterprises，analystspoint

10、edouttheproblemofthetraditionalmethodofmanagingSMEcreditThesecondparttheInternationalCommercialBankSMEscreditriskmanagement，AsaninternationalwellknowncommercialbankCitibankandStandardCharteredBankhaveplentyofexperienceon

11、SMEsCreditManagementwhichisangoodexampleforUSOnthebasisofthefirsttwoparts，thethirdpartsummarizestobuildChina’SCommercialBanksCreditRiskManagementSystemforSMEsincludingtheestablishmentofthebankinternalenvironmenttoadaptto