商业银行小微企业信贷风险管理研究.docx

商业银行小微企业信贷风险管理研究摘 要小微企业是我国国民经济重要的组成部分，是市场经济中最活跃的细胞，占我国企业总数的95%以上，广泛分布于各行各业和各地区，除了在创设就业机会及促进经济发展上发挥重要作用之外，还在推进社会和谐稳定发展及促进科技创新方面扮演重要角色，可以说小微企业在整个国民经济及社会发展中具有不可替代的战略意义。然而，小微企业融资却是长期难以破解的问题。近年来，在国家各项政策支持和金融行业竞争加剧的背景下，商业银行纷纷加大了对小微企业的投入，将其视为业务转型的契机。然而小微企业的信贷风险问题长期以来不能得到有效遏制，商业银行在开展小微企业信贷业务中尚存较多障碍。本文首先介绍了与小微企业信贷风险管理相关的理论，并对其进行相应阐述，其中包括小微企业信贷及信贷风险的概念、小微企业信贷风险分类与成因、小微企业风险特征等。其次，以光大银行某支行的某A企业为例讨论了小微企业信贷风险管理，具体包括光大银行A企业支行介绍、资产结构状况，小微企业客户行业分布特点以及对小微企业信贷所采取的相关风险管理措施等。在此基础之上，分析光大银行A支行小微企业信贷风险管理存在的问题，归纳出目前制约小微企业信贷风险管理的基本成因，最后提出了对小微企业信贷风险管理采取建立科学指标体系、完善信贷管理体系、优化小微企业信贷业务流程、注重人才培养，实施激励约束、加强贷款合规性调查等可行性启示与建议，以期在解决小微企业信贷风险管理问题时，能起到一定的学习及借鉴作用。商业银行作为重要的金融机构，是主要资金提供者，在对小微企业给以信贷支持的同时加强风险控制是十分必要的，对于金融体系的稳定也具有重大意义。关键词:商业银行；光大银行；小微企业；信贷风险管理；AbstratSmall micro enterprise is our country national economy important constituent, is the most active of the cells in a market economy, accounting for more than 95% of the total number of Chinese enterprises, widely distributed in all walks of life and the region, In addition to playing an important role in creating employment opportunities and promoting economic development, it plays an important role in promoting social harmony and stability and promoting scientific and technological innovation. It can be said that small and micro enterprises in the whole national economy and social development has irreplaceable strategic significance.But the small micro enterprise financing is difficult problem to crack for a long time.In recent years, in the national various policy support and financial industry under the background of increasing competition, commercial Banks have increased spending on small micro enterprise, regard it as an opportunity of business transformation.However small micro enterprise credit risk problem for a long time can not be effectively, commercial Banks do business of small micro enterprise credit remaining more obstacles.??This article first introduces the basic theory of small micro enterprise credit risk management, including the co