【摘要】：中小企業(yè)在當今世界經(jīng)濟與社會發(fā)展中發(fā)揮著巨大的作用，已經(jīng)成為或即將成為各國經(jīng)濟的重要支柱，在我國，在工商注冊登記的中小企業(yè)數(shù)量已占到全國注冊企業(yè)總數(shù)的99%，其所創(chuàng)造的工業(yè)總產(chǎn)值、銷售收入、實現(xiàn)利稅、出口總額已分別占全國的60%、57%、40%和60%左右，75%左右的城鎮(zhèn)就業(yè)機會也是由中小企業(yè)提供的。加快中小企業(yè)的發(fā)展，，對我國實現(xiàn)經(jīng)濟增長，提升就業(yè)水平，穩(wěn)定社會發(fā)展有著巨大的作用。故各家商業(yè)銀行紛紛成立專門的機構(gòu)，創(chuàng)新金融產(chǎn)品，改進服務(wù)流程和機制，從信貸資源上加大了對中小企業(yè)的傾斜。而由于經(jīng)濟變化，中小企業(yè)經(jīng)營規(guī)模小、抗風險能力弱和治理結(jié)構(gòu)不完善等自身原因，中小企業(yè)的信貸風險開始顯現(xiàn)。因此，對中小企業(yè)信貸風險的分析和管理已經(jīng)成為各商業(yè)銀行的緊迫而具現(xiàn)實意義的問題。 本文基于ZX銀行的實踐，對中小企業(yè)的信貸風險進行了研究和探討，并以某中小企業(yè)為案例進行實證分析研究，嘗試針對商業(yè)銀行對中小企業(yè)的信貸風險管理提出建議。本文共有七章。第一章為導(dǎo)論，闡述本文研究背景與思路。第二章為我國中小企業(yè)的融資現(xiàn)狀進行綜合描述。第三章對商業(yè)銀行對中小企業(yè)信貸的需求及供給進行分析。第四章對中小企業(yè)融資中所存在的風險進行了分類描述和分析。第五章和第六章為本文的重點部分，也是本文的創(chuàng)新之處。第五章對某建筑行業(yè)中小企業(yè)融資進行了實證研究，分別從該企業(yè)的行業(yè)風險、經(jīng)營風險、財務(wù)風險等入手，分析該企業(yè)所可能出現(xiàn)的風險，并從商業(yè)銀行的角度，對該企業(yè)的籌資、投資、流動性風險等各方面進行綜合評估，評估該企業(yè)的整體信貸風險。第六章通過案例的實證分析，對商業(yè)銀行發(fā)展中小企業(yè)信貸過程中的風險管理提出建議和措施。第七章對全文做出總結(jié)，希望為國內(nèi)商業(yè)銀行對中小企業(yè)的信貸風險管理和控制提供參考。
[Abstract]:Small and medium-sized enterprises play a great role in the economic and social development of the world today. They have become or will soon become important pillars of the economies of all countries. The number of small and medium-sized enterprises registered for industry and commerce has accounted for 99% of the total number of registered enterprises in the country. The total industrial output value, sales income, profits and taxes generated by them have accounted for 60, 57, 40 percent and 60 percent of the total number of enterprises registered in the whole country, respectively. About 75% of urban employment opportunities are also provided by small and medium-sized enterprises. Speeding up the development of small and medium-sized enterprises plays an important role in realizing economic growth, improving employment level and stabilizing social development. Therefore, commercial banks have set up specialized institutions, innovated financial products, improved service flow and mechanism, and increased the inclination of credit resources to small and medium-sized enterprises. However, due to the economic changes, the small scale of small and medium-sized enterprises, the weak ability to resist risks and the imperfect governance structure, the credit risk of small and medium-sized enterprises is beginning to appear. Therefore, the analysis and management of SME credit risk has become an urgent and practical problem for commercial banks. Based on the practice of ZX Bank, this paper studies and discusses the credit risk of small and medium-sized enterprises, and takes a small and medium-sized enterprise as an example to make an empirical study, and tries to put forward some suggestions on the credit risk management of small and medium-sized enterprises by commercial banks. There are seven chapters in this paper. The first chapter is the introduction, expounding the research background and train of thought. The second chapter is a comprehensive description of the financing status of small and medium-sized enterprises in China. The third chapter analyzes the demand and supply of small and medium-sized enterprises credit from commercial banks. The fourth chapter describes and analyzes the risk in SME financing. The fifth and sixth chapters are the key part of this paper, and also the innovation of this paper. The fifth chapter makes an empirical study on the financing of a small and medium-sized enterprise in the construction industry, starting with the industry risk, the operating risk and the financial risk of the enterprise, analyzes the risks that may appear in the enterprise, and from the perspective of the commercial bank. The financing, investment and liquidity risk of the enterprise are comprehensively evaluated to evaluate the overall credit risk of the enterprise. The sixth chapter puts forward some suggestions and measures on risk management in the process of developing SME credit in commercial banks through the empirical analysis of cases. Chapter seven summarizes the whole paper, hoping to provide reference for domestic commercial banks to manage and control the credit risk of SMEs.
【學位授予單位】：電子科技大學
【學位級別】：碩士
【學位授予年份】：2012
【分類號】：F272.92;F832.4

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