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ID:39100435
大小:1.42 MB
页数:34页
时间:2019-06-24
《A农商行小企业贷款风险管理分析》由会员上传分享,免费在线阅读,更多相关内容在学术论文-天天文库。
1、暨南大学硕士学位论文战略转型下AB农商行小企业贷款风险管理研究AbstractInrecentyears,moreandmoredomesticcommercialbanksandforeigncommercialbankshaverapidlyexpandedbyincreasingthenumberofbranches.Atthesametime,allcommercialbanksquicklyincreasetheirproductinnovationandservicesleveltofacethefiercecompetitio
2、namongbanks.Itisquitedifficultforbankstoacquireconsiderableprofitjustdependontraditionalbusiness,suchasdepositandloanspreads.Itisalsounabletomeettheneedsofcommercialbanksprofitgrowthinthiscompetitivemarket.Asthelargeandmedium-sizedenterpriseshavelimitednumbersandisverycomp
3、etitiveamongbanks,itisverydifficultforcommercialbankstomakebigbreakthrough.Weknowthatsmallbusinessesareessentialpowertothesustainabledevelopmentofournationaleconomyandthestabilityofourcountry.Besides,smallenterprisesaccountforthemajorityofthemarketwithgreatinfluenceontheec
4、onomicdevelopment.Somoreandmorecommercialbanksbegintofocustheireyesonpromisingsmallbusinessesandpositivelycarryoutfinancialservicesbusinessinordertograsptheopportunitytomakeabigbreakthrough.Whatismore,manybankshavesetupspecialcentersforprovidingfinancialservicestosmallbusi
5、nesses.However,duetotheirownlackofsmallbusinessesandthelimitofpoliciesandregulationsofbanksincarryingoutthecreditoperationsofsmallbusinesses,creditbusinessofsmallcompaniesdoesnotsuccessasweexpect.Asweknow,smallbusinessesarebornwithlimitations,suchastheirlackofcollateraland
6、greatoperatingrisk,whichisimpossibletochange.Sothekeyfactorofinfluencingthedevelopmentofcreditbusinesstosmallbusinessiscommercialbanksthemselveslimitationinchoosingcreditriskmanagementmodel.Manybankscannottakeproper,scientificendeffectiveriskmanagementapproachinestablishin
7、gthestandardsofaccesstosmallbusinesses,theexaminationandapprovalofloansandtheriskmonitoringaftercredit.Whatisworse,mostbanksstillusethecreditriskmanagementmodeloflargeandmedium-sizedenterprises.Sobankshavetotakerelativelyconservativeattitudeinpromotingcreditbusinessofsmall
8、companies.Asaresult,financingneedsofsmallbusinessesstillcannotberesolved.Thereisalongwayf
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