【作者】 孙红；

【导师】 田美玉；

【作者基本信息】 中南大学 ， 工商管理（MBA）（专业学位）， 2025， 硕士

【摘要】 民营经济是国民经济的重要组成部分,对国民经济的发展有着重要作用,是推动经济与社会发展的核心力量。但这些企业因内部管理体系不健全、财务操作不规范、公开信息较少等现状,给银行带来了难以准确评估民营企业违约风险概率的挑战,特别是科技型中小企业,因其技术转化率不高、经营不稳定、财务状况不理想等问题,进一步削弱了其抗风险能力,与银行依赖财务数据和实物抵押的传统授信模式不契合,被银行认定为高风险客户,因此科技型中小企业遇到的融资困境更为突出。同时金融业态的变化促使银行要作出改变以应对同业竞争,寻求银行与企业的平衡点既能缓解科技型中小企业融资困境促进其成长,又能推动银行中小企业授信业务发展,实现风险与收益的平衡。本文以A银行深圳分行科技型中小企业授信管理现状为研究对象,按照提出问题、分析问题、解决问题的思路,针对该分行科技型中小企业授信管理体系存在的问题,设计了一套切实可行的优化方案,以提升该分行科技型中小企业授信管理效能。研究后发现,精准定位目标客户群体、科学设计信贷产品、强化非财务信息在风险评估模型中的应用以及充分利用大数据与智能技术提升风险识别能力,可以显著提升银行授信管理与风险控制效能。这些成果可以被举一反三运用到其他具有相似业务挑战和授信管理特点的银行,助力同业银行提升其授信管理效能。图12幅,表12个,参考文献51篇更多还原

【Abstract】 The private economy is an important component of the national economy,playing a crucial role in its development and serving as the core force driving economic and social progress.However,these enterprises,due to their inadequate internal management systems,non-standard financial operations,and limited public information,have brought challenges to banks in accurately assessing the probability of default risks for private enterprises,especially for technology-based small and medium-sized enterprises.Due to their low technology conversion rate,unstable operations,and poor financial conditions,their ability to resist risks has been further weakened,which is not in line with the traditional credit model of banks relying on financial data and physical collateral.As a result,they have been identified as high-risk customers by banks,and the financing difficulties faced by technology-based small and medium-sized enterprises are more prominent.At the same time,the changes in the financial industry have prompted banks to make changes to cope with interbank competition.Seeking a balance point between banks and enterprises can not only alleviate the financing difficulties of technology-based small and medium-sized enterprises and promote their growth,but also promote the development of bank credit business for small and medium-sized enterprises,achieving a balance between risk and return.This article takes the current situation of credit management for technology-based small and medium-sized enterprises in the Shenzhen branch of A Bank as the research object.Following the idea of raising questions,analyzing problems,and solving problems,a practical and feasible optimization plan is designed to address the problems in the credit management system of technology-based small and medium-sized enterprises in the branch,in order to improve the efficiency of credit management for technology-based small and medium-sized enterprises in the branch.After research,it was found that accurately targeting the target customer group,scientifically designing credit products,strengthening the application of non-financial information in risk assessment models,and fully utilizing big data and intelligent technology to enhance risk identification capabilities can significantly improve the efficiency of bank credit management and risk control.These achievements can be applied to other banks with similar business challenges and credit management characteristics,helping interbank banks improve their credit management efficiency.更多还原