【作者】 王欣；

【导师】 高正平；

【作者基本信息】 天津财经大学 ， 工商管理， 2014， 硕士

【摘要】 改革开放以来,我国逐渐形成了以非公有制经济为主体的快速发展局面,其中小微企业数量众多,广泛分布于实体经济各行业,是吸纳社会就业的重要渠道,也是推动经济发展的的重要力量。近年来,党和国家更加重视小微企业和非公有制经济的发展,相继出台了一系列法律法规,支持和促进小微企业的发展,同时也各大银行陆续推出小微企业贷款产品,小微企业贷款余额不断增加,但另一方面,目前我国发展小微企业信贷业务的外部环境及相关体系还不健全,我国小微企业普遍存在市场风险、经营风险、管理风险、财务风险和担保风险等,同时我国商业银行在防范小微企业信贷风险方面还存在诸多问题和不足,造成不良贷款集中涌现,主要表现在：缺乏科学的信用风险评价和授信体系、贷前调查不深入、融资用途和贷款流向把控不严、以及贷后管理不到位等问题。近几年,国内银行业在小微企业信贷业务领域开展了有益的尝试和探索,摸索出一些小微企业信贷业务风险管理的方法和手段,取得了一定的风险防范效果。但由于银行转型从事小微企业贷款的时间较短,管理制度尚未完善,造成小微企业贷款在一定程度上仍存在一些不容忽视的风险隐患。本文在剖析了我国商业银行小微企业信贷风险管理方面存在的问题,提出了对我国商业银行小微企业信贷风险管理改进的建议,包括完善针对小微企业的信用评价指标体系和授信体系、严把贷款准入管理关、强化贷前调查、加强小微企业贷款担保管理、加强资金流向和融资用途监管、加强贷后管理以及建立贷后风险预警监控机制等。本文的创新之处在于,不局限于风险控制的理论,而是在借鉴国内外先进银行小微企业信贷风险管理的经验及启示的基础上,提出了针对我国商业银行信贷风险管理不足现状的改进建议,并列举了笔者从事银行信贷工作以来的真实案例,佐证、检验了小微企业信贷风险防范的重要性和的风险防控效果,与实践结合紧密。更多还原

【Abstract】 Since the reform and opening up, China gradually formed a non-public economy as the main rapid development of the situation in which the number of small and micro enterprises large, widely distributed in the various sectors of the real economy, is an important channel to absorb the social employment, but also to promote an important force for economic development. In recent years, the party and the country more attention to small and micro enterprises and non-public economic development, has issued a series of laws and regulations to support and promote the development of small and micro enterprises, but also the major banks have launched small micro-enterprise loan products, small and micro the balance of corporate loans continue to increase, but on the other hand,At present China’s development of small and micro enterprise credit business and external environment and related system is not perfect, the prevalence of small and micro enterprises to market risk, operational risk, management risk, financial risk and risk guarantees, while China’s commercial banks in the prevention of small and micro business credit risks are still many problems and deficiencies, resulting in the emergence of non-performing loans concentrated mainly reflected in:the lack of scientific evaluation of credit risk and the credit system, no in-depth investigation before the loan financing purposes and to control the flow of lax lending and loan management is not place and other issues. In recent years, the domestic banking sector in the field of small and micro enterprise credit business conducted useful to try and explore, and explore ways and means of some small micro-enterprise credit risk management, risk prevention and achieved certain results. However, due to bank restructuring in small micro-enterprise loans short time, the management system is not yet perfect, resulting in small micro-enterprise loans to a certain extent, there are still some potential risks can not be ignored.Based on the analysis of the commercial banks in China’s small and micro enterprises credit problems exist, and analysis of advanced micro-bank small business credit risk management experience and revelation, we propose to small and micro enterprises of China’s commercial banks improved credit risk management recommendations, including for small and micro enterprises to improve credit evaluation index system and credit system, strict access management related loans, strengthening loan before the survey, small micro-enterprise loan guarantees to strengthen management, strengthen supervision of capital flows and financing purposes, to strengthen loan management and the establishment of monitoring the credit risk early warning mechanisms and actual cases examined by improved risk control recommendations and practicability.The innovation of this article is not confined to the theory of risk control, but in reference to domestic and foreign advanced bank small micro enterprise credit risk management on the basis of the experience and enlightenment, put forward in view of the present situation of our country commercial bank credit risk management is insufficient improvement Suggestions, and lists the real case, since I work in the bank credit support, check the importance of small micro enterprise credit risk prevention and risk control effect, combined with the practice closely.更多还原