浅析我国商业银行中小企业信贷业务发展

浅析我国商业银行中小企业信贷业务发展浅析我国商业银行中小企业信贷业务发展 摘要摘要 近年来，中小企业发展迅速，中小企业占我国企业数量的99%以上，对我国GDP、税收、进出 口贸易额、城镇就业岗位做出了很大的贡献。商业银行开展了中小企业信贷业务不仅有利于中小企 业融资，同时也能在银行之间的竞争中提高竞争力。开展中小企业信贷是银企形成双赢的基本点。 中小企业信贷业务已成为商业银行信贷业务中重要的一部分。本文立足于商业银行，分析了中小企 业为何融资困难、我国商业银行中小企业信贷业务发展现状和所存在的问题，对商业银行中小企业 信贷风险产生的原因进行了分析，还以农业银行为例，结合农业银行中小企业信贷业务的发展状况 和信贷业务操作流程，对商业银行中小企业信贷风险管理方面的不足进行了分析，即对中小企业的 信贷调查只存在于表面，对中小企业贷后管理不足，对中小企业信贷风险评价方法不合理等不足之 处。最后，本文对全面推进商业银行中小企业信贷提出了建议，即改进信贷审批理念及流程，建立 科学的中小企业融资担保体系、加强贷后风险管理、加强风险管理意识，完善风险管理制度，加强 中小企业信贷产品的创新。 关键词关键词 中小企业商业银行信贷风险管理 I AbstractAbstract The recent years, the small and medium-sized enterprise development was rapid, the small and medium-sized enterprise accounted for our country Enterprise quantity above 99%, to our country GDP, the tax revenue, the import and export volume of trade, the cities employment post has made the very big contribution. Not only the commercial bank developed the small and medium-sized enterprise credit operation to be advantageous to small and medium-sized enterprise financing, simultaneously also could enhance the competitive power in the bank competition. Develops the small and medium-sized enterprise credit is silver business s the win-win fundamental point. The small and medium-sized enterprise credit operation has become in the commercial bank credit operation an important part. This article bases on the commercial bank, why analyzed the small and medium-sized enterprise to finance the question which the difficulty, Our country Commercial bank Small and medium-sized enterprise credit operation development present situation and existed, had the reason to the commercial bank small and medium-sized enterprise credit risk to carry on the analysis, but also take the agricultural bank as the example, the union agricultural bank small and medium-sized enterprise credit operation development condition and the credit operation flow, has carried on the analysis to the commercial bank small and medium-sized enterprise credit risk management aspect insufficiency, namely only existed to the small and medium-sized enterprise credit investigation in the surface, managed the insufficiency after the small and medium-sized enterprise loan, to small and medium-sized enterprise credit risk assessment unreasonable and so on deficiencies. Finally, this article proposed to the comprehensive advancement commercial bank small and medium-sized enterprise credit the suggestion, namely the improvement credit examination and approval idea and the flow, after establish the science the small and medium-sized enterprise financing guarantee system, the enhancement loan the risk management, enhancement risk management consciousness, the perfect risk management system, strengthens the small and medium-sized enterprise credit product the innovation. Key wordKey word Small and medium-sized enterpriseCommercial bankCredit risk management II 目录 一、绪论 .1 （一）选题目的和意义1 （二）国内外文献1 二、商业银行中小企业信贷业务发展现状2 （一）中小企业融资现状2 1.中小企业融资困难的原因.3 （1）自身规模的局限3 （2）效益低，偿债能力弱3 （3）信