【作者】 刘洋；

【导师】 芮玉巧；

【作者基本信息】 郑州大学 ， 工商管理硕士（专业学位）， 2023， 硕士

【摘要】 小微企业是我国经济发展的主力军,在推动经济发展、促进社会进步的过程中起到了不可或缺的作用。为促进广大小微企业的经营发展,切实解决广大小微企业“融资难、融资贵”的问题,我国政府推出了一系列的政策和措施,大力支持普惠金融业务发展。自2020年新冠病毒疫情爆发以来,国内外经济、金融运行的不确定性进一步增大,同时,新冠疫情也加快了数字化转型、金融脱媒和利率市场化的进程,商业银行传统的信贷模式面临着前所未有的挑战。相比于成熟完善的大型企业,小微企业普遍存在着管理不够规范、规模较小、经营不够稳定等诸多问题,导致小微企业普遍存在着较高的信贷风险,因此如何能够通过科学化的手段高效管理小微企业的信贷业务,成为了商业银行发展小微企业信贷业务的重点及难点。本文以Z银行L分行作为研究对象,致力于研究该分行小微企业信贷风险管理问题。通过分析L分行当前小微企业信贷业务的发展状况和风险管理现状,结合具体的业务数据和信贷风险案例,运用调查研究和案例分析的方法,剖析了L分行小微企业信贷风险管理过程中存在的问题,包括贷前调查不完善、信贷资产集中度偏高、抵押担保物的风险判断不准确以及贷后管理不到位,并总结归纳出小微企业信贷风险管理问题产生的原因,主要为银企信息不对称、产业结构调整影响、信贷风险评估机制不健全和信贷业务管理控制不到位。针对L分行小微企业信贷风险管理存在的问题及形成原因,L分行应该采取加强贷前风险因素评估、分散行业集中度风险、优化信贷担保落实和创新融资模式、强化贷后基础管理的措施来进一步完善风险管理体系,这些优化措施既可以为Z银行L分行小微企业信贷风险管理中存在的问题提供解决思路,也可以为国内其他商业银行在开展小微企业信贷业务时,对其小微企业信贷风险管理工作提供一定的借鉴和参考。更多还原

【Abstract】 Micro businesses are the main force of our country’s economic development and play an indispensable role in the process of promoting economic development and social progress.In order to promote the operation and development of small and micro enterprises and effectively solve the problem of"difficult and expensive financing",the Chinese government has introduced a series of policies and measures to vigorously support the development of inclusive finance.Since the outbreak of the novel coronavirus in 2020,the uncertainty of economic and financial operations at home and abroad has further increased.Meanwhile,the novel coronavirus pandemic has also accelerated the process of digital transformation,financial disintermediation and interest rate liberalization,and the traditional credit mode of commercial banks is facing unprecedented challenges.Compared with mature and perfect large enterprises,small and micro enterprises generally have many problems such as unstandardized management,small scale and unstable operation,resulting in high credit risks for small and micro enterprises.Therefore,how to efficiently manage the credit business of small and micro enterprises through scientific means has become the focus and difficulty for commercial banks to develop the credit business of small and micro enterprises.This paper takes L Branch of Z Bank as the research object,and is devoted to studying the credit risk management of small and micro enterprises in this branch.By analyzing the current development status and risk management status of credit business of small and micro enterprises in L Branch,combining with specific business data and credit risk cases,this paper analyzes the problems existing in the process of credit risk management of small and micro enterprises in L Branch by means of investigation and case analysis.It includes imperfect pre-loan investigation,high concentration of credit assets,inaccurate risk judgment of mortgage collateral and inadequate post-loan management.It also summarizes the causes of credit risk management problems of small and micro enterprises,which are mainly the information asymmetry between banks and enterprises,the impact of industrial structure adjustment,the imperfect credit risk assessment mechanism and the inadequate management and control of credit business.In view of the existing problems and causes in the credit risk management of small and micro enterprises in L Branch,L Branch should take measures to further improve the risk management system by strengthening the pre-loan risk factor assessment,diversifying the industry concentration risk,optimizing the implementation of credit guarantee,innovating the financing mode,and strengthening the post-loan basic management.These optimization measures can not only provide solutions to the problems existing in the credit risk management of small and micro enterprises in the L branch of Bank Z,but also provide certain references for other domestic commercial banks in their credit risk management of small and micro enterprises.更多还原