目前产业结构的优化升级是我国经济发展的一个重要发展趋势和方向，产能 过剩的行业及低技术附加值企业的淘汰趋势越来越明显，这对我国中小企业的影 响尤为显著。然而中小企业的长期健康稳定发展对于我国经济发展又有着非常重 要的意义，国家为扶持中小企业的长期稳定发展也推出了一系列的政策和措施， 特别是中小企业融资问题，要求商业银行提高中小企业贷款的规模和比重。因此 如何在这一趋势下既满足中小企业融资需求，促进我国中小企业稳定发展，又能 有效的评价借款企业的经营状况、还款能力，并把控风险，成为了当前商业银行 发展和日常管理的一个重要的课题。 本文以兴业银行深圳分行为例，对中小企业贷款准入评价的现状进行分析研 究，根据中小企业的自身特点，通过问卷调查、层次分析法等方法筛选出更能表 征中小企业经营及信用状况的指标，构建出更符合兴业银行深圳分行中小企业贷 款的准入评价指标体系，使其既能有效的提高商业银行对中小企业贷款审批效 率、把控风险、占领市场，又能满足中小企业“短、小、频、快”的融资需求。 关键词：中小企业，贷款，准入评价指标II RESEARCH ON THE CONSTRUCTION OF SME LOAN ADMISSION EVALUATION INDEX SYSTEM OF INDUSTRIAL BANK CO., LTD SHENZHEN BRANCH Abstract At present, the optimization and upgrading of industrial structure is an important development trend and direction of China's economic development. The trend of eliminating industries with excess capacity and low-tech value-added enterprises is becoming more and more obvious, which has a particularly significant impact on small and medium-sized enterprises(SMEs) in China. However, the long-term healthy and stable development of small and medium-sized enterprise is significant to China's economic development. In order to support the long-term and stable development of SMEs, the state has also introduced a series of policies and measures, especially the financing of small and medium-sized enterprises. Commercial banks are required to increase the scale and proportion of loans in small and medium-sized enterprises. Therefore, how to meet the financing needs and promote the stable development of small and medium-sized enterprises in China, and effectively evaluate the operation status, repayment ability and risk control of borrowing enterprises have become an important issue in the development and daily management of commercial banks. This paper takes the Shenzhen Branch of Industrial Bank co., ltd as an example to analyze and study the current situation of SMEs'loan access evaluation. According to the characteristics of SMEs, through questionnaires, analytic hierarchy process and other methods, it screens out indicators that can better characterize the operation and credit status of SMEs, and constructs an evaluation index system that is more in line with the SMEs' loan access of Industrial Bank co., ltd Bank Shenzhen Branch. It can not only effectively improve the efficiency of commercial banks'loan approval for SMEs, control risks and occupy the market, but also meet the financing needs of SMEs short, small, frequent and fast.III Keywords: SME，Loan，Admittance evaluation indexIV 目 录 中文摘要 .... ........................................................................................ I Abstract...................................................................................................II 第一章 绪论............................................................................................... 1 1.1 研究的背景及意义.........................................................................................1 1.1.1 研究的背景............................................................................................. 1 1.1.2 研究的意义............................................................................................. 4 1.2 研究的方法与思路.........................................................................................5 1.2.1 研究方法................................................................................................. 5 1.2.2 研究思路................................................................................................. 5 第二章 相关理论综述...............................................................................8 2.1 贷款风险管理的相关理论.............................................................................8 2.1.1 风险管理原理......................................................................................... 8 2.1.2 评价指标体系......................................................................................... 8 2.1.3 企业生命周期理论................................................................................. 9 2.1.4 贷款风险............................................................................................... 10 2.2 中小企业贷款准入评价指标体系的相关研究...........................................10 2.2.1 信用评级要素分析法........................................................................... 10 2.2.2 信用矩阵模型（Credit Metrics）........................................................11 2.2.3 国外银行的经验................................................................................... 12 2.3 巴塞尔协议...................................................................................................13 第三章 兴业银行深圳分行中小企业贷款准入评价现状及问题........15 3.1 兴业银行深圳分行简介...............................................................................15 3.2 兴业银行深圳分行中小企业贷款现状.......................................................16 3.3 兴业银行深圳分行中小企业贷款准入评价现状及问题...........................17V 3.3.1 兴业银行深圳分行中小企业贷款准入评价现状............................... 17 3.3.2 存在的问题........................................................................................... 21 第四章 兴业银行深圳分行中小企业贷款准入评价指标体系的构建25 4.1 贷款准入评价指标体系构建的目标...........................................................25 4.1.1 总体目标............................................................................................... 25 4.1.2 具体目标............................................................................................... 25 4.2 贷款准入评价指标体系构建的原则...........................................................26 4.3 贷款准入评价指标的选择...........................................................................26 4.3.1 准入评价指标的初选........................................................................... 26 4.3.2 准入评价指标的归属性分析............................................................... 31 4.3.3 准入评价指标的相关性分析............................................................... 31 4.3.4 准入评价指标的鉴别力分析............................................................... 31 4.4 贷款准入评价指标的权重计算...................................................................32 4.5 贷款准入评价指标打分...............................................................................41 第五章 兴业银行深圳分行中小企业贷款准入评价指标体系的可靠性 测验............................................................................................. 44 5.1 数据测验.......................................................................................................44 5.2 测验结果可靠性分析...................................................................................44 第六章 结论............................................................................................. 45 6.1 主要结论.......................................................................................................45 6.2 研究展望.......................................................................................................45