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摘要：本文站在商业银行的角度，研究了商业银行中小企业信贷风险管理中存在的问题并提出相应对策，力图实现商业银行与中小企业双赢的局面。采用理论与实际相结合的方式，通过对信息不对称理论、全面风险管理理论以及金融创新理论的分析，指出目前我国商业银行对中小企业信贷管理过程中还存在信息不对称严重、全面风险管理不到位、缺乏金融创新的问题，并结合国外先进案例为我国商业银行如何控制信贷风险提供借鉴，指出要缓解信息不对称问题，就需要建立健全信贷风险预警机制；要完善全面风险管理体系，就要强化贷前调查、贷中审查和贷后管理，健全信用评级体系以及提高银行信贷人员素质；要加快金融创新，就要立足金融服务与产品创新、金融技术创新以及金融组织管理创新，这些措施的实行能对解决中小企业信贷风险问题起到一定的积极作用。38346
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毕业论文关键词：商业银行 中小企业 信贷风险 防范对策
The Analysis on the Credit Risk from loans to Small and Medium-sized Enterprises in Commercial Banks
Abstract: From the view of commercial banks, this paper studies the problems of the small and medium-sized enterprises (SMEs) credit risk management and puts forwards the corresponding strategies, which will promote commercial banks and the SMEs to achieve the target of double-win. By combining theory and practice, such as the information asymmetry theory, comprehensive risk management theory and financial innovation theory, we find out that there are some problems in Chinese commercial banks’ SMEs credit management, including the serious information asymmetry problems, the inadequate in comprehensive risk management and the lack of financial innovation. So, how to control the credit risk of commercial banks in china? We point out some corresponding strategies, such as establishing a credit risk early warning system to solve the problem of information asymmetry, strengthening the loan investigation, examination, management and the credit rating system to improve the comprehensive risk management system, innovating the financial services and products, financial technology and financial management to speed up financial innovation. These measures can play a positive role in solving the problem of SMEs credit risk.
Keywords: commercial banks, small and medium-sized enterprises, credit risk, prevention
目 录
一、引言 1
（一）选题背景与研究意义 1
1.选题背景 1
2.研究意义 1
（二）文献综述 2
二、商业银行中小企业信贷风险特征与相关理论分析 4
（一）中小企业的定义及融资特点 4
1.中小企业的定义 4
2.中小企业融资特点 4
（二）中小企业信贷风险的定义及特征 5
1.中小企业信贷风险定义 5
2.中小企业信贷风险特征 6
（三）中小企业信贷风险防控理论分析 7
1.信息不对称理论 7
2.全面风险管理理论 8
3.金融创新理论 8
三、我国商业银行中小企业信贷风险管理问题 10
（一）信息不对称依然严重 10
1.银行与企业信息不对称 10
2.银行内部信息不对称 11
（二）全面风险管理不到位 11
1.信贷业务操作流程不规范 11
2.信用评级体系不完善 11
3.缺少高素质人才 12
（三）缺乏金融创新 12