【作者】 张磊；

【导师】 展进涛；

【作者基本信息】 南京农业大学 ， 工商管理硕士（专业学位）， 2022， 硕士

【摘要】 民营经济在我国经济中所扮演的角色变得越来越重要,其中的普惠小微企业基数庞大,是促进国民经济健康发展的主力军。近年来,我国政府从政策层面和操作层面非常重视普惠小微企业的发展问题,普惠小微企业授信金额、户数逐年增加,有效的解决了普惠小微企业融资难的问题。在对普惠小微企业增加信贷资金投放的同时,利率水平稳步下降,一定程度上缓解了普惠小微企业融资贵的问题。随着普惠小微企业信贷规模的不断增加,随之带来的普惠小微业务风险管理问题也日渐增多,作为商业银行风险管理的一部分,贷后管理对保证信贷资产的安全性、流动性、收益性方面起到重要作用。在大力推进普惠金融的背景下,商业银行的普惠小微贷款客户数逐年增加,贷后风险管理压力不断增大。因此需要对普惠小微业务的贷后风险管理问题进行深入研究,一方面是为了银行自身的贷后风险管理需要,另一方面是为了提升贷后风险管理水平向普惠小微企业提供更优质的服务。本文通过文献理论研究法、调查统计分析法、案例分析法,对紫金农商行CZ支行普惠小微业务贷后风险管理进行重点研究。首先收集、阅读理论著作、重要文献,充分了解吸收专家学者们在风险管理理论、内部控制理论、信息不对称理论等方面的研究成果,其次采集紫金农商行CZ支行2016年——2020年普惠小微业务数据作为进一步描述紫金农商行CZ支行普惠小微业务现状、分析紫金农商行CZ支行普惠小微业务贷后风险管理问题的基础,最后分析得出紫金农商行CZ支行普惠小微业务贷后风险管理优化措施:一是改变普惠小微业务贷后风险管理思路,二是明确普惠小微业务岗位职责与权力,三是丰富普惠小微贷后管理手段。本文的研究对于帮助提升紫金农商行CZ支行普惠小微业务贷后风险管理水平具有一定的参考意义。更多还原

【Abstract】 The role of the private economy in my country’s economy has become more and more important.Among them,the large base of inclusive small and micro enterprises is the main force in promoting the healthy development of the national economy.In recent years,the Chinese government has attached great importance to the development of inclusive small and micro enterprises from the policy and operational levels.The amount of credit and the number of households of inclusive small and micro enterprises have increased year by year,effectively solving the problem of inclusive financing of small and micro enterprises.While increasing credit funds for inclusive small and micro enterprises,interest rates have steadily declined,which to a certain extent alleviated the problem of expensive financing for inclusive small and micro enterprises.As the scale of inclusive small and micro enterprise credit continues to increase,the consequential inclusive small and micro business risk management problems are also increasing.As part of commercial bank risk management,post-loan management is essential to ensure the safety and flow of credit assets.Play an important role in terms of profitability.In the context of vigorously promoting inclusive finance,the number of inclusive small and micro loan customers of commercial banks has increased year by year,and the pressure on post-loan risk management has continued to increase.Therefore,it is necessary to conduct in-depth research on the post-loan risk management of inclusive small and micro businesses.On the one hand,it is for the bank’s own post-loan risk management needs,and on the other hand,it is to improve the level of post-loan risk management to provide more inclusive small and micro businesses excellent service.This paper focuses on the post-loan risk management of inclusive small and micro business in Zijin Rural Commercial Bank CZ Sub-branch through the method of literature theoretical research,investigation and statistical analysis,and case analysis.First,collect and read theoretical works and important documents,fully understand and absorb the research results of experts and scholars in risk management theory,internal control theory,information asymmetry theory,etc.,and secondly collect Zijin Rural Commercial Bank CZ Sub-branch inclusive micro enterprise data(2016 to 2020)is used as the basis to further describe the current situation of inclusive small and micro businesses in Zijin Rural Commercial Bank CZ Sub-branch,and analyze the post-loan risk management of inclusive small and micro businesses in Zijin Rural Commercial Bank CZ Sub-branch.The optimization measures for post-loan risk management of business are,firstly,to change the post-loan risk management thinking of inclusive small and micro business;secondly,to clarify the purpose of post responsibilities and powers of inclusive small and micro business;The research has certain reference significance for helping to improve the post-loan risk management level of inclusive small and micro business of Zijin Rural Commercial Bank CZ Sub-branch.更多还原