“切磋B顶行小微企业不良存贷款的风险及备范主意“

> 本地 > 作者:locoy 2019-08-09 12:13 编辑:周建平
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  摘 要

  小微企业展开潜力父亲、数庞父亲,是弹奏触动我国经济展开和赋闲的要紧力气。在市场经济时时前行的路途上,小微企业逐步得到了金融机构的关怀,内阁相干机关也就续出产台文件政策培栽小微企业的展开,要寻求商银行加以父亲对小微企业的资产顶持力度。条是鉴于小微企业受微不清雅经济情势影响较父亲、银企副方信息不符错误称、小微企业本身基础绵软绵软弱、银行小微企业风险评级机制不够完备等缘由,形成了小微企业不良存贷款逐年添加以。此雕刻不单给银行金融机构带到来了损违反,同时也加以父亲了小微企业本身展开的风险。

  小微企业需寻求摆荡持续的展开,退不开商银行金融机构的资产顶持。近些年,我国商银行也在经度过主动花样翻新的办方法,完成批量募化营销、平台募化申报、数据募化复核,使小微企业信贷事情的操持更其便捷募化、普及募化。条是,鉴于我国商银行的办特点和小微企业金融环境的特点,加以上我国小微企业金融仍在宗步阶段,招致商银行在展开小微企业信贷事情的经过中出产即兴不良存贷款没拥有拥有完整顿熟并适宜的办花样、操干花样却以模拟和己创。本文以建行 B 顶行为例,经度过伸见建行 B 顶行小微企业信贷事情展开即兴状,找出产在贷前贷中贷后流动程中存放在的效实。并结合发放出产去的 120 份考查询卷剖析建行 B 顶行小微企业不良存贷款的表里部成因。又经度过建行与花旗银行信贷风险备范的对比,吸取阅历从而进壹步完备小微企业不良存贷款的备范主意,拥有效地投降低我国商银行小微企业不良存贷款比值,快度减缓了我国商银行所拥局部展开。商银行等金融机构普遍存放在小微企业不良存贷款逐年添加以的效实。

  本文畅通对建行B顶行的深募化切磋,提出产拥有效的备范主意,为商银行等金融机构供新的参考,拥有助于处理当前商银行在小微企业不良存贷款上的苦境,增强大小微企业不良存贷款的风险备范,拥有比较强大的雄心意思。

  hg3088:小微企业;不良存贷款;成因;主意

  金融

  Abstract

  Small and micro enterprises have great potential for development and huge quantities, which are important forces to stimulate China's economic development and employment. On the way forward in the market economy, small and micro enterprises have gradually attracted the attention of financial institutions. The relevant government departments have also issued documents and policies to support the development of small and micro enterprises, requiring commercial banks to increase financial support for small and micro enterprises. However, due to the influence of macroeconomic situation, asymmetric information between banks and enterprises, weak foundation of small and micro enterprises, imperfect risk rating mechanism of small and micro enterprises in banks, non-performing loans of small and micro enterprises have increased year by year. This not only brings losses to the banking and financial institutions, but also increases the risk of the development of small and micro enterprises.

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