TZ银行小微信贷风险管理问题研究-金融专业论文.docxVIP

万方数据 万方数据 目 录 1. 绪论 ······························································································1 1.1 研究背景及意义 ········································································1 1.1.1 研究背景··········································································1 1.1.2 研究意义··········································································1 1.2 相关文献综述 ···········································································2 1.2.1 国外文献综述····································································2 1.2.2 国内文献综述····································································3 1.2.3 文献述评··········································································5 1.3 本文的研究思路、方法与框架 ······················································5 1.4 本文的创新与不足 ·····································································7 2. 商业银行小微信贷风险管理概述 ··························································8 2.1 小微企业相关概念的界定 ····························································8 2.2 小微企业信贷风险及来源 ·························································· 10 2.3 商业银行小微信贷风险管理理论 ················································· 10 2.3.1 小银行优势理论······························································· 10 2.3.2 资产分散理论·································································· 11 2.3.3 委托代理理论·································································· 11 2.3.4 信贷配给理论·································································· 11 2.3.5 长期互动假说·································································· 12 HYPERLINK \l _TOC_250004 3. TZ 银行小微信贷风险管理现状 13 HYPERLINK \l _TOC_250003 3.1 TZ 银行小微信贷业务现状 13 HYPERLINK \l _TOC_250002 3.1.1 TZ 银行简介 14 HYPERLINK \l _TOC_250001 3.1.2 TZ 银行小微信贷业务发展 15 HYPERLINK \l _TOC_250000 3.2 TZ 银行小微信贷风险管理机制 17 3.2.1 内部组织架构方面···························································· 17 3.2.2 关系型借贷技术方面························································· 19 3.2.3