中小企业的信贷风险与防范策略——以浦发银行沈阳支行为例

中小企业的信贷风险与防范策略以浦发银行沈阳支行为例摘要中小企业是我国社会主义市场经济体制的重要组成部分，是促进我国经济稳定发展的一支重要力量。在当前的发展状况下，中小企业数量迅速增加，对我国经济的发展起到一定的促进作用。为了扶持中小企业，国家出台了财政扶持政策，以扶持中小企业。近年来，浦发沈阳支行为了满足国家对中小企业贷款的需求，在发展中小企业信用业务的同时，其业务风险也日益突出。近年来，我国整体经济形势持续低迷，发展缓慢，中小企业容易受到经济冲击，经营困难，同时，由于自身特点，存在着经营风险，抵押担保物不足，信贷风险大，银行不良贷款风险大，不良贷款率高，为此，对浦发银行沈阳分行的中小企业信用风险进行了分析，认为加强对中小企业的信用支持，既能推动企业的持续发展，又能有效地减少风险，从而使浦发银行沈阳分行的业务发展和扩大市场份额。本文旨在通过对信用风险的分析与讨论，建立一套切实可行的信用风险预防机制。关键词：中小企业；信贷风险；防范策略-I-Credit Risks and Prevention Strategies of Small and Medium-SizedEnterprises-Take Shanghai Pudong Development Bank Shenyang Branchas an exampleAbstractSmall and medium-sized enterprises are an important part of my country's socialistmarket economic system and an important force to promote the stable development of mycountry's economy.Under the current development situation,the number of small andmedium-sized enterprises has increased rapidly,which has played a certain role inpromoting the development of my country's economy.In order to support SMEs,the statehas introduced financial support policies to support SMEs.In recent years,in order to meetthe country's demand for SME loans,SPDB Shenyang Sub-branch has developed its SMEcredit business,but its business risks have become increasingly prominent.In recent years,my country's overall economic situation has continued to be sluggish and its developmenthas been slow.Small and medium-sized enterprises are vulnerable to economic shocks andhave operational difficulties.At the same time,due to their own characteristics,there areoperational risks,insufficient mortgage collateral,high credit risks,and high risk ofnon-performing bank loans.The loan rate is high.Therefore,this paper analyzes the creditrisk of small and medium-sized enterprises in Shenyang Branch of Shanghai PudongDevelopment Bank,and believes that strengthening the credit support for small andmedium-sized enterprises can not only promote the sustainable development of enterprises,but also effectively reduce risks,so that the Shenyang branch of Shanghai PudongDevelopment Bank can effectively reduce risks.Branch business development and marketshare expansion.This paper aims to establish a set of practical credit risk preventionmechanism through the analysis and discussion of credit risk.Key Words:SMEs;credit risk;prevention strategiesII-目录摘要..IAbstra阳Ct..引言.01一、浦发银行沈阳支行实习工作概况.2(一)浦发银行沈阳支行概况.2(二)浦发银行沈阳支行实习岗位介绍.2(三)浦发银行沈阳支行实习工作情况.…。3二、浦发银行沈阳支行中小企信贷业务开展情况(一)中小企业贷款业务产品分布….4（二)中小企业贷款业务运营模式4(三)中小企业贷款业务发展现状5三、浦发银行沈阳支行中小企信贷风险管理常见问题，6(一)风险管理组织结构不合理(二)贷前审批环节把控不严.6(三)对担保机构过度依赖…7(四)贷后管理跟进力度不足7(五)缺乏有力度的催收措施7四、浦发银行沈阳支行中小企信贷风险管理对策建议.9(一)完善中小企业信贷风险管理体系.….9(二)贷前工作开展要严格全面.…。.9(三)采用灵活以及抗风险强的担保方式10(四)优化贷后管理制度和方法10(五)加强对不良贷款的催收力度a444a4444aa结论12参考文献…13III引言在我国，中小企业是构建市场经济的关键，也是推动我国经济持续健康发展的关键。尤其是在目前经济形势下，促进经济持续发展，缓解就业压力，优化经济结构，促进科教兴国，发挥越来越重要的作用。虽然我国的中小型企业在国民经济中占有举足轻重的作用，但是由于其自身的发展状况及发展的环境仍不完善，例如：管理体制落后、管理体制不完善、规模小、融资渠道狭窄等。在整个发展过程中，中小企业都存在着一定的融资需要，因此，整体上，我国的中小企业融资需求较大，但因其个人的数量较少，融资困难，尽管有一系列的扶持措施，但其资金状况仍然不容乐观。在大多数商业银行中，信用是最重要的利润源泉。近年来，浦发沈阳分行获得了政府扶持和