商业银行中小企业贷款风险问题研究-学士学位论文.doc

本科毕业论文 商业银行中小企业贷款风险问题研究 姓 名 学 院 专 业 指导教师 完成日期  XXXX大学 全日制本科生毕业设计（论文）承诺书 本人郑重承诺：所呈交的毕业设计（论文） 商业银行中小企业贷款风险问题研究 是在导师的指导下，严格按照学校和学院的有关规定由本人独立完成。文中所引用的观点和参考资料均已标注并加以注释。论文研究过程中不存在抄袭他人研究成果和伪造相关数据等行为。如若出现任何侵犯他人知识产权等问题，本人愿意承担相关法律责任。 承诺人（签名）： 日 期： 商业银行中小企业贷款风险问题研究 摘 要 中小企业是国家经济发展重要支柱。商业COMMERCIAL BANK’S RESEARCH OF THE RISH OF SMES LOANS ABSTRACT Small and Medium-sized Enterprises（SME）in the national economy plays a decisive role, the SME-round and rapid development of Chinas economic development to become a major feature of Chinas economic development is a major bright spot. World experience shows that SMEs are facing a common, critical factor is the difficulties in financing constraints. SMEs in China in general is facing not only equity capital and debt financing of capital financing difficulties, and faced with ownership of special discrimination, social credit collapse and the impact of imperfect corporate governance issues are more profound. With the reform of state-owned commercial banks continue to advance, its management level is also rising, market competition and awareness is also growing, competition will intensify. Chinas commercial banks to a larger proportion of large corporate loans, a lower proportion of loans to SMEs. The demand for funds for large enterprises is limited, with the economic development cycle fluctuations, and many large companies exposed their own business problems, the risk is gradually revealed. Come to realize that commercial banks have been unable to provide loans to large enterprises high profit growth, savings and loan banks poor expanding, new ways need to be developed out of funds invested. Therefore, no matter how large the policy environment or its own business needs to commercial banks face the urgent financial needs of SMEs, the bank in order to further the development must also focus on SME lend