商业银行小微企业贷款风险防范研究

发布时间：2018-10-25 10:08

【摘要】：小微企业成为市场经济中最大的,最有活力的群体,为经济发展、社会稳定、促进就业、改善民生和促进创新起着基础性的推动作用,毫无疑问,小微企业成为我国经济社会发展的重要支撑和基本力量。然而小微企业面临贷款难、贷款成本较高的现状,在贷款过程中面临的风险,不利于企业规模的扩大,以及企业实力的增强。同时由于信息的不对称,银行在对待小微企业贷款问题上也面临巨大风险。因此,本文研究当下商业银行小微企业面临的贷款风险及其防范具有重要的理论意义和实践意义。本文按照提出问题、分析问题、解决问题的思路安排文章结构,首先作者查阅大量文献书籍,总结提炼其内容作为理论基础,结合现状分析我国商业银行小微企业融资难的现状,并指出融资风险、风险因素,然后进一步分析我国小微企业的影响贷款的问题及影响因素,逐步分析出这些问题的风险成因,并分析我国商业银行在此基础之上,借鉴近年来迅速发展的新型贷款模式-网络贷款的风险,调查我国民生银行小微企业贷款措施获得一些经验,结合我国实际情况,从商业银行的角度对我国小微企业如何规避融资风险提出可供参考的防范措施,改善我国小微企业贷款难的现状。通过本文的研究,有针对性的从商业银行提供小微企业贷款风险防范管理方向提出建议,促进小微企业的健康长远发展。
[Abstract]:Small and micro enterprises have become the largest and most dynamic group in the market economy, playing a fundamental role in promoting economic development, social stability, promoting employment, improving people's livelihood and promoting innovation. Small and micro-enterprises have become an important support and basic force for the economic and social development of our country. However, the small and micro enterprises are faced with the difficulties of loan, the high cost of loans, the risk in the process of loans, which is not conducive to the expansion of the scale of enterprises and the enhancement of enterprise strength. At the same time, because of the asymmetry of information, banks also face huge risks in dealing with the problem of small and micro-enterprise loans. Therefore, it is of great theoretical and practical significance to study the loan risk faced by small and micro enterprises of commercial banks. This paper arranges the structure of the article according to the idea of putting forward the question, analyzing the problem and solving the problem. First, the author looks up a lot of literature books, summarizes and refines its contents as the theoretical basis. Combined with the present situation, the paper analyzes the current situation of the financing difficulties of the small and micro enterprises of commercial banks in China, and points out the financing risks and risk factors, and then further analyzes the problems and influencing factors of the loan of the small and micro enterprises in our country. Analyze the risk causes of these problems step by step, and analyze the risk of network loan, which is a new loan mode developed rapidly in recent years, based on the analysis of commercial banks in our country. In this paper, we investigate the small and micro enterprise loan measures of Minsheng Bank of our country, and combine with the actual situation of our country, and put forward some preventive measures for our small and micro enterprises to avoid the financing risk from the angle of commercial bank. Improve the current situation of small and micro-enterprise loan difficulties in China. Through the research of this paper, the paper puts forward some suggestions from commercial banks to provide risk prevention and management for small and micro enterprises, and promotes the healthy and long-term development of small and micro enterprises.
【学位授予单位】：天津财经大学
【学位级别】：硕士
【学位授予年份】：2014
【分类号】：F832.4;F276.3

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