摘要
随着中国改革幵放的步伐不断推进和社会主义市场经济体制建设的不断发展完
善,中小企业已经成为我国国民经济增长和协调运行的中坚力量,中小企业在对促
进国家经济增长、增进就业、出口创汇、稳定财政收支、创造多元化财富等方面起
到了巨大的支撑作用。世界经济发展规律也表明,仅有大企业的发展而没有中小企
业的发展的国家和地区,是不能保持经济长期稳定持续增长的。可是目前我国商业
银行给予中小企业的融资信贷额度比仍然维持在10%左右,我国中小企业融资困
难,融资渠道单一、融资成本较高的现状仍未得到实质性的解决。
本文旨在立足中小企业的发展现状以及融资状况分析中小企业信贷风险及其产
生原因,结合国内中小企业的融资现状及融资难原因展开分析,重点分析商业银行
发展中小企业信贷风险控制的流程化管理及工具建设,并以地方性商业银行FD银行
的信贷风险管理流程为核心,结合FD银行案例重点提出从中小企业贷款风险识别、
风险控制以及改善外部环境等几方面来有效降低中小企业贷款的风险,并提出了小
企业融资风险控制的具体措施与实施方案。本文的最终目的是希望针对目前中小企
业信贷融资难的问题实现有效突破。
关键词:信贷风险小企业融资应收账款保理流程控制
ABSTRACT
Since the Chinese reform and opening up, with the consummating of the economic
system in our country, SME(small and medium enterprise) has become the basis of
Chinese GDP harmonious running and growth. SME has tremendous effect to develop
new economic growth points, absorb employment,export earnings, financial stability and
balance of payments, creating more wealth and achieved a huge role. Law of the world
economy also shows that only large enterprises but not the development of SMEs in
developed countries and regions, it can't be sustained stability to maintain economic
growth with long-term. At present, banks are still the main financial method to our SMEs.
But now , China's commercial banks to give credit financing for SMEs than remained at
around 10%。In our country, Financing difficulties of SMEs, financing channels for a
single, higher financing costs of the status quo has not been substantively solution.
This article bases on the current development of SMEs and financing cinditio
ns,and analyze the financing difficulties and SMEs credit risk controlling mechanis
ms,information collection,SMEs credit risk control tool construction,flow-conreolling
system as the focus.Construction and risk control process management tools is th
e focus of the article. And local commercial banks FD bank's credit risk manage
ment process as the core, combined with the FD case highlighted from bank loan
s to SMEs risk identification,risk control, and improve the external environment
and other aspects to effectively reduce the risk of lending to SMEs, and proposes
small Business Financing risk control measures and implementation of the specifi
c program. The ultimate goal of this article is to solve the difficult problem of cr
edit facilities for SMEs to achieve effective breakthrough.