本文選題：新常態(tài) + 中小企業(yè)　； 參考：《南京師范大學(xué)》2017年碩士論文

【摘要】：習(xí)近平在2014年提出我國經(jīng)濟(jì)發(fā)展的“新常態(tài)”理念,并認(rèn)為經(jīng)濟(jì)轉(zhuǎn)型是面對(duì)當(dāng)前經(jīng)濟(jì)下行壓力的工作重點(diǎn)。當(dāng)前,2015年2月國務(wù)院頒布了“支持和引導(dǎo)非公有制經(jīng)濟(jì)若干意見”,中國人民銀行和銀監(jiān)會(huì)隨后發(fā)出“解決中小企業(yè)貸款難題”的通知。另一方面,隨著我國金融改革的推進(jìn),商業(yè)銀行之間競(jìng)爭激烈程度有增無減,因此將原本不太受關(guān)注的中小企業(yè)信貸業(yè)務(wù)立為發(fā)展重點(diǎn),也被各家商業(yè)銀行視為轉(zhuǎn)型的契機(jī)。然而現(xiàn)實(shí)是,各家商業(yè)銀行業(yè)務(wù)風(fēng)險(xiǎn)管理流程仍然存在不夠標(biāo)準(zhǔn)化、精細(xì)化等諸多問題的同時(shí),針對(duì)原本違約風(fēng)險(xiǎn)較大的中小企業(yè)群體,加大貸款投放力度反而成為了埋下不良貸款隱患的行為,因此在當(dāng)前經(jīng)濟(jì)下行階段,大多數(shù)商業(yè)銀行在風(fēng)險(xiǎn)管理上仍然以“惜貸”的姿態(tài)面對(duì)著中小企業(yè)市場(chǎng)。這在根本上,與當(dāng)前商業(yè)銀行在應(yīng)對(duì)中小企業(yè)市場(chǎng)時(shí)采取的風(fēng)險(xiǎn)管理思路有著密不可分的關(guān)系。本文將以N銀行中小企業(yè)信貸風(fēng)險(xiǎn)管理作為研究樣本,尋找N銀行中小企業(yè)信貸風(fēng)險(xiǎn)管理上的缺陷并提出自己的改進(jìn)意見,旨在探索商業(yè)銀行中小企業(yè)信貸業(yè)務(wù)如何在當(dāng)前以經(jīng)濟(jì)下行為背景的新常態(tài)下,既能保證信貸資產(chǎn)安全穩(wěn)定,又能保持高效率的業(yè)務(wù)發(fā)展水平。也希望能以此文的完成,對(duì)我國商業(yè)銀行中小企業(yè)信貸風(fēng)險(xiǎn)管理起到理論體系補(bǔ)充完善的效果。
[Abstract]:In 2014, Xi Jinping put forward the concept of "new normal" in China's economic development, and considered that economic transformation is the focus of the current economic downturn. At present, in February 2015, the State Council promulgated the opinions on supporting and guiding the Non-public ownership economy, and the people's Bank of China and the Banking Regulatory Commission subsequently issued a circular on "solving the problem of small and medium-sized enterprises' loans." On the other hand, with the promotion of financial reform in China, the fierce competition between commercial banks has increased. Therefore, the credit business of small and medium-sized enterprises, which was not much concerned, is regarded as the turning point of transformation by commercial banks. However, the reality is that the business risk management process of commercial banks is still not standardized, refined and many other problems, at the same time, aimed at the group of small and medium-sized enterprises with higher default risk. Increasing the investment of loans has become the behavior of burying the hidden dangers of non-performing loans. Therefore, in the current economic downturn, most commercial banks still face the market of small and medium-sized enterprises with the attitude of "sparing credit" in risk management. This is fundamentally related to the risk management thinking adopted by commercial banks in dealing with the market of small and medium-sized enterprises. This paper will take the credit risk management of small and medium-sized enterprises in N Bank as the research sample to find out the defects of credit risk management of small and medium-sized enterprises in N Bank and put forward some suggestions for improvement. The purpose of this paper is to explore how the credit business of small and medium-sized enterprises in commercial banks can not only guarantee the security and stability of credit assets, but also maintain a high efficient level of business development under the new normal situation with the background of economic downturn. It is also hoped that the completion of this paper will complement and perfect the theoretical system of credit risk management for small and medium-sized enterprises in commercial banks in China.
【學(xué)位授予單位】：南京師范大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2017
【分類號(hào)】：F832.4;F275;F276.3

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