交通银行中小企业信贷风险管理问题与对策研究——以广东省为例摘要改革开放后，市场经济的迅猛发展，中小企业数量日渐增多，在我国经济发展发挥着举足轻重的作用。广东省作为我国经济主力的省份之一，同时也是中小企业聚集之地，特别是珠三角地区的中小企业一直扮演着重要的角色，是推动广东省经济发展的主要动力。然而，始于2008年的金融危机予以中小企业的产业升级和健康发展重重一击。在这种状况之下，尽管国家极力推崇一些有益于中小企业发展的政策，但最后因中小企业的贷款周期与银行规模宽松周期不匹配，受银行认可的有效抵押物偏少或不足值以及企业财务管理不规范这三大原因屡屡受阻。这些政策的成效不足以及中小企业自身的问题使得信贷风险管理问题与对策研究提上日程。本文以七大章节就广东为例的交通银行中小企业信贷风险管理的问题与对策进行研究，首先是用导论引出课题背景、意义、研究方向、国内外发展现状以及研究内容与方法步骤，从整体上对文章进行概括和论述。其次，通过分析交通银行中小企业信贷风险管理的现状，指出广东省交通银行中小企业信贷风险管理中在运营、制度方面存在的一些漏洞。再次，在整合和借鉴了境内外商业银行在中小企业信贷风险管理的举措之后，提出了三个对策用以解决所提出的问题。最后，对本课题进行归纳总结。关键词：中小企业，信贷风险管理，广东省交通银行Bankofcommunicationsofsmallandmedium-sizedenterprisecreditriskmanagementproblemsandcountermeasuresresearch--inguangdongprovinceasanexampleABSTRACTAfterthereformandopening,therapiddevelopmentofmarketeconomy,theincreasingnumberofsmallandmedium-sizedenterprises,playsanimportantroleintheeconomicdevelopmentofourcountry.AsoneofthemainprovincesinChina,guangdongprovince,isalsoagatheringplaceforsmallandmedium-sizedenterprises,especiallythepearlriverdeltaregionofsmallandmedium-sizedenterprisesplayanimportantroleallthetime,isthemainpowertopromotetheeconomicdevelopmentofguangdongprovince.Beganinthe2008financialcrisis,however,toindustrialupgradeandhealthydevelopmentofsmallandmedium-sizedenterprises.Underthissituation,althoughcountriesvigorouslypromotingsomepoliciesarebeneficialtothedevelopmentofsmallandmedium-sizedenterprises,butintheendbecauseofthesmallandmedium-sizedenterpriseloancyclescaleeasingcycledoesnotmatchwiththebank,thebankapprovedeffectivepawnlessorlackofvalueandtheenterprisefinancialmanagementrulesTakingsevenchaptersonguangdongasanexampleofbankofcommunicationsofsmallandmedium-sizedenterprisecreditriskmanagementproblemsandcountermeasuresofresearch,thefirstisintroductiontouseleadtotopicbackground,significance,researchdirectionandcurrentdevelopmentathomeandabroadandtheresearchcontentandmethodofsteps,thearticlesummarizedanddiscussedasawhole.Secondly,byanalyzingthecurrentsituationofsmallandmedium-sizedenterprisecreditriskmanagementofbankofcommunications,pointsoutthatthebankofcommunicationsinthecreditriskmanagementofsmallandmedium-sizedenterprisesinguangdongprovinceintheaspectofoperation,thesystemexistsomeloopholes.Again,intheconsolidationanddrawlessonsfromthedomesticandoverseascommercialbankcreditriskmanagementinsmallandmediumenterprisesmeasures,putforwardthreecountermeasurestosolvetheproblemoftheproposed.Atlast,thepapersummarizesthisproject.KEYWORDS：Smallandmedium-sizedenterprises,creditriskmanagement,bankofcommunicationsinguangdongprovince目录1导论..............................................................11.1研究背景与意义............................................................................................11.1.1课题背景....................................................
