a银行中小企业授信业务风险管理研究

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1、AbstractChinahadalargenumberofsmallandmedium-sizedenterprises(SMEs)，andtheyoccupiedapivotalpositioninthecountry’Seconomicdevelopment,andparticularlyplayedanimportantroleinpromotingtechnicalprogress，improvingtheeconomicenvironment,creatingjobopportunities

2、andincreasingnationalincome．Inrecentyears，theSMEsfacedafundshortageproblem．Meanwhile，difficultfinancingproblemforSMEshadbecameanimportantbottleneckrestrictingitsdevelopment．Atthesametime，alongwiththefarthernarrowprofitbetweendepositingandlending,thefierc

3、ecompetitionamongcommercialbank,theincreasingfinancingchannelsforenterprisesand助ancialdisintermediationinthemarket,thesefactorsleadedcommercialbankstofaceunprecedentedchallengesinthemarket．Inthiseconomicsituation,commercialbanksmustchangethe”creditcrunch

4、”attitudetowardsSMEscreditbusiness，andthenfind，cultivateanddevelopSMEswithgoodcreditstanding．n’SclearthattheresearchintoriskmanagememforSMEscreditbusinessispositive．Thisarticlewasdividedintofivechapters．Firstly，itdescribedthebackground,thesignificance，th

5、econtentandtheresearchmethodsforthisarticle，andthenmentionedthecurrentfmancingsituationforSMEsinChina,aswellastheriskmanagementtheoryofcommercialbankcreditbusiness，andmakeuseofmatrixanalysistoanalysethegameplayingbetweenprivateenterprisesandcommercialban

6、ks．Furthermore，itinlroducedtheriskassessmemsystemofBankAcreditbusiness，analyzedtheX-packagingcompanycase，andthenfoundmanyproblemsintheriskmanagementforBankASMEscreditbusiness，suchasthelackofaftercreditmanagementmechanism，thebackwardcreditriskreviewassess

7、mentmethodsandetc．Moreover,itputforwardthestrategyoptimizingcreditRiskManagementforBankASMEscreditbusinessinordertoimproveBankAriskmanagememlevel．Finally，itsummarizedtheconclusionsofthisarticleandlookedtothefutureresearchdirections．Keywords：SmallandMediu

8、mEnterprises(SMEs)，RiskManagement,Creditrating，CreditBusiness2TableofContentsAbstract⋯．．⋯⋯⋯．．．．．．⋯⋯⋯．．．．．．⋯．．．．．．．．．．．⋯．．．．．．．．．⋯⋯．．．．．．．⋯．．．．．．．⋯．⋯2Introduction．．．．．．．．．．．．．．⋯⋯⋯．．．．．．⋯⋯．⋯．．．．．．⋯．．．．．．．⋯．．．．．．．．．⋯．．．．．．⋯．．