宁波银行中小企业贷款风险控制研究.doc

毕业论文（设计）独创性声明 本人郑重声明所提交的毕业论文（设计）是本人在指导教师的指导下进行的研究工作及取得的研究成果。除文中特别加以标注的地方外，论文中不包含他人已经发表的学术成果或者他人为获得高等院校学位而使用过的材料，论文（设计）中不涉及任何知识产权纠纷。否则，本人将承担一切责任。 学生签名：__ _ 日 期： _ 摘 要 众所周知，宁波中小企业占了企业的90%以上，但是由于中小企业规模小、财务不透明、管理不规范、监督制度不完善等原因导致其向银行融资比较困难，宁波银行却独辟蹊径，根据地域特点，专门向中小企业提供贷款服务，这种不走寻常路的方针引起了社会各界的极大关注，尤其是其风险控制方法成为各方关注的焦点。本文分析了宁波银行贷款管理实际情况，说明其控制风险的方法主要是通过调查第一还款来源和第二还款来源实现，第一还款来源主要调查实际经营管理者的资信，查阅企业财务报表，了解企业上下游客户会计结算情况等内容，第二还款来源主要调查贷款抵押物情况。文章通过对宁波银行贷款的正反两方面的案例总结出了其控制风险的措施包括：银行通过对企业贷款前的筛选，贷款中的管理与检测，贷款后的问题处理等方式控制贷款风险的发生。当然，银行还需完善自身的监督、管理制度，以减少银企之间的信息不对称，防范市场风险、信用风险、操作风险的发生。企业应加强自身经营管理的能力，规范财务报表，使信息透明化，以便让银行能够及时得到企业的信息，使企业能更顺利的在银行融到所需的资金，使企业更快更好的发展。 关键词：银行贷款；中小企业还款来源；风险控制  Abstract SMEs account for 90% of the enterprises, but because of its small size, financial opaque, management was not standardized, the supervisory system for SMEs, partly because of imperfections in the financing of SMEs become more difficult, its mode of financing, mainly from bank loans, national financial capital, debt, etc.. Bank of Ningbo is a small and medium enterprises as the core banking business, this article will be through bank loans, Ningbo, case analysis and comparison on its risk-controlled approach is mainly through the first source of repayment, namely the investigation of the actual managers, reporting to understand the upstream and downstream customers accounting for the situation and that the second source of repayment, collateral to realize the situation. Bank of Ningbo and through a case study made a number of responses: banks, through pre-screening of corporate loans, loan management and testing, such as loan deal with the problem after the control of credit risks from occurring, but banks need to improve their own oversight, management systems, in order to reduce the information asymmetry between banks and enterprises to prevent market risk, credit risk, operational risk from occurring. Enterprises should strengthen their management capacity, standardized fi