8000商业银行小额贷款业务的发展现状及前景浅析.docx

青海师范大学本科毕业论文商业银行小额贷款业务的发展现状及前景分析目录内容摘要3Abstract4一 、前言5（一）研究前提5（二）研究目的5（三）国内外业务发展状况61.国外小额信贷业务的发展62.国内小额信贷业务的发展7（四）小额贷款业务的概述71.小额贷款的一般概念72.小额贷款业务的特点8二、我国商业银行小额贷款业务发展状态9（一）商业银行小额贷款大体情形解析9（二）商业银行小额贷款业务广泛，特色不一10三、我国商业银行发展小额贷款业务存在的问题及产生原因11（一）传统的小额信贷理念与业务发展不适应11（二）片面的贷款对象定位与市场需求不适应11（三） 单一的风险防范方法与风险管理不适应12四、完善我国商业银行小额贷款业务的对策13（一）转变小额信贷理念以适应业务发展13（二）扩展贷款对象定位以满足市场需求13（三）增加风险防范方法以促进健康发展141.加强基础工作，严把贷款质量关142.实施小额贷款信用的动态化管理143.增强小额农户贷款信用责任的追究制度144.采取有效措施来盘活不良贷款14五、我国商业银行小额贷款业务发展前景展望15参考文献16银行小额贷款业务的发展现状及前景分析【内容摘要】此篇以分析小额贷款业务的理念、特征为前提，综合现今商业银行中小额贷款业务的实际状况，有了政府的引导，商业银行小额企业贷款业务迅猛拓展，可在此阶段还有着较多难点，会逐步探究解析其中面对的难题以及有缺陷的地方，大概集中体现在小额信贷概念、贷款针对层面与市场风险评估等三个分点，末尾系统性地总结出有利于商业银行小额贷款业务可持续发展的手段和方针：革新小额信贷概念来迎合业务拓展；加宽贷款针对层面来补充市场要求；提高风险评估实效来维护稳定发展，小额企业的科学发展进步对促进经济产值提高、优化我国就职实况、推动技术改革、加大出口等产生着正面影响。【关键词】小额贷款业务；商业银行；理念；风险评估防范The development status and prospects of small business loans of commercial banks.Abstract：This paper analysis the concept and characteristics of small business loans is the premise of the actual situation of small business loans of commercial banks in the current comprehensive, with the guidance of the government, business of commercial bank loans of small enterprises rapid development, at this stage there can be many difficulties, which will gradually explore analytical challenge and flawed, probably embodied in the concept of micro credit, loans for level and market risk assessment at the end of three points, systematically summed up in favor of small business loans of commercial banks sustainable development means and policy: the innovation of microfinance concept to cater to the business development; widening lending to level to supplement market requirements; improve the risk assessment results to maintain stability the development of small enterprises, the development of scientific progress to promote economic output, improve the optimization of our inaugural live, push Technical reform, increase exports have a positive impact.Key words：small business loans; commercial ban