商业银行和中小企业信用管理策略的研究外文翻译.doc

江 汉 大 学 文 理 学 院 College of Arts Science of Jianghan University 毕业论文外文翻译外文来源 日本一桥大学 中文译文商业银行和中小企业信用管理策略的研究部 （系） 商 学 部 专 业 金 融 学 姓 名 宋 健 学 号 200801190305 指导老师 陈 贻 汉 2012年 3 月英文原文 PAGE 1The commercial banks and small and medium-sized enterprises credit risk management research The thesis sets out from the general theories of economic risks and banking credit risks management, to represent that economic risks are one of basic characters of modern market economy, and the banking credit risks are the focalization of the whole economic risks. The essence of risk is that the possibilities of proceeds and losses exist simultaneously, therefore encouraging meanwhile restricting the activities of main body of the market economy. The essence of commercial banks is to avoid and prevent risks under the balance of dual effects of the risk so that risks can decline to an acceptable degree while proceeds is to be taken in as much as possible. At present, western economic industry has reached a consensus on the reasons of the exposure of banking credit risks by virtue of the information non-symmetry theory that risks stem from the adverse selection under the information non-symmetry and moral risks and objective risks arising from information insufficiency. In addition, this thesis discusses the relations between credit risks management and equity-debt ratio management, capital abundance ratio management and internal control respectively. It also clarifies some misunderstanding on credit risks management. The above-mentioned contents form Chapter One of this thesis. Chapter Two of this thesis first points out that the decisive factor of the efficiency of credit management is not the external organizational form but internal organization structure by comparing the relations between various external organizational forms and the efficiency of risks management. The emphases on designing or