商业银行小企业贷款风险的研究以民生银行为例.doc

小企业是促进中国经济和社会繁荣的主要力量，在推动社会经济发展、提高就业儿率、安定社会等 方面做出了巨大的贡献。最近几年，随着中央政府和区域政策的的鼎力支持，小企业获得了蓬勃发展的 机会。国家为了促进小企业的稳健发展，通过了一系列卓有成效的政策，银行也加大了对小企业贷款 的支持力度，把握发展机会，最佳化贷款审批程序，创新信贷产品，使得小企业贷款的比例也有所增加。 与itls同时，因为不良贷款现象的出现而使得小企业贷款的危机四起。在如今商业银行发展小企业信贷 业务的过程中，研宂小企业贷款风险产生的原因，寻找有效规范风险的办法，是首要的任务。本文以民 生银行小企业信贷业务的发展为例，对商业银行小企业贷款风险形成的原因进行了探索，提出了类似的 风险规范方法，以实现商业银行对小企、Ik贷款的有效管理。不仅有利于改进小企业资金不足的状况，同 时也能增强商业银行信贷资产的质量和流动性，最终能够提升国民经济的发展速度。 关键词：商业银行；小企业贷款；贷款风险；风险防范 ABSTRACT Small businesses are a major force in promoting China’s economic and social prosperity， and in promoting social and economic development，increase employment chances and social stability has made a great contribution . In recent years，with the full support of the central government and regional policy，and small businesses get the chance to flourish. Countries in order to promote the healthy development of small enterprises，through a series of effective policies，banks have stepped up efforts to support small business loans，seize opportunities， optimize the loan approval process，innovative credit products，making small business loans ratio also increased. At the same time，because of bad loans phenomena appear which makes small business loans crisis everywhere. In today’s commercial banking business in the development of small business credit course，the reason small business loan risk arising from research，to find ways to effectively regulate risk is the primary task. In this paper, the development of small enterprises Minsheng Bank credit business，for example，for reasons of commercial bank loans to small businesses were formed to explore the risks，made a similar risk norms approach to achieve effective management of commercial bank lending to small businesses . Not only beneficial to small businesses lack the funds to improve the situation，but also to enhance the quality and liquidity of commercial banks credit assets，and ultimately can enhance the pace of development of the national economy . Keywords : commercial banks ; small busin