威海市商业银行小微企业信贷风险防范研究..docVIP

威海市商业银行小微企业信贷风险防范研究 摘 要 随着经济全球化和我国改革开放的影响，我国的经济发展呈现一幅欣欣向荣的景象，小微企业在我国的经济发展中更是占据着越来越重要的地位，在拉动就业方面的作用更是不容小觑，然而由于其规模小、风险大、财务不够透明等特性，在扩张的过程中，借贷难始终困扰着广大小微企业，同时受到宏观经济政策的影响，其生产的成本也不断上升，在多变的市场条件下，生存面临的挑战也越来越大。目前来说，我国的商业银行已经将小微企业信贷作为银行不断发展的新的增长点，但是由于小微企业各方面的特性以及我国金融市场的秩序和监管还不够完善，因此，商业银行在开展这方面的业务也面临着很多风险，本文选取在小微企业信贷方面发展良好的威海市商业银行，通过对其现状的分析，找出不足和改进措施，从而对推动整个银行业小微企业信贷业务的发展和小微企业的成长具有重要的意义。 关键词 小微企业 ； 银行信贷 ；风险防范 ；体系 Study on Credit Risk Control of China’s Commercial Bank to Small and Micor Enterprise of Weihai City Commercial Bank Abstract With the development of economic globalization and the start of Chinese economic reform,the economic situation in China is also on the way of taking off,the role of small and micro enterprises is not only becoming more and more important in Chinese economic development,but also helping more people find jobs.But because the small and micro enterprises has some Characters like small scales、high risk and opaque financial policy,they face many difficulties on the way of lending money in order to expand their scales,and also,the higher cost on production caused by the macroeconomic policy made by the government bothers the small and micro enterprises a lot.In case of the changeable and complicated market economics,the living of small and micro enterprises remain a challenge.Nowadays,almost all the commercial banks in China has taken small and micro enterprises as a new point of increasing their profits,but in the influence of the characters of small and micro enterprises and ill-defined rules and laws in Chinese economic market,the commercial banks have to solve many problems during their bank credits with small and micro enterprises.In order to study more on this question,this article chooses the Weihai City Commercial Bank as an example which does a good job in bank credits to small and micro enterprises,the purpose of analyzing the current situation of this bank is to find out the drawbacks and improveme