C银行小微企业信贷风险管理.研究.pdf

摘 要 摘 要 小微企业有力地促进了我国经济增长与技术创新，创造了大量就业岗位，是我国 国民经济发展的重要基础，而小微企业融资却是长期难以破解的问题。 商业银行在外部竞争压力和内部利润驱使之下，纷纷加大对小微金融的投入，将 其视为业务转型的契机。然而小微企业的信贷风险问题阻碍了商业银行的尝试。因此， 对小微企业信贷风险进行科学、高效的管理成为我国商业银行拓展小微金融业务的必 然选择。 本文以C银行小微企业信贷业务为研究对象，以小微信贷和风险管理理论为分析 基础，结合传统信贷业务的管理经验，针对小微企业信贷业务的经营特点，提出从组 织架构构建到业务标准执行的全流程风险管理。C银行也基本按这一模式进行运作， 并取得了一定的成效。最后，本文从实践角度提出如何加强小微企业信贷业务风险管 理的建议。 关键词：小微企业、信贷、风险管理 I 江苏科技大学工商管理硕士学位论 Abstract The smaller enterprisesis an important foundation of Chinas national economic development, which effectively promoted the economic growth and technological innovation,created alargenumber ofjobs. However, The smallerenterprise financingis a difficultproblemtobreakforalongtime. Underthepressureofexternalcompetitionandinternalprofit-driven,Commercialbanks have increasedthe invesment inmicrofinance,and viewed it as an opportunity forbusiness transformation.However, Smallerenterprisescreditriskissueshindered commercialbanks attempt.Therefore, its an inevitable choice for our national commercial banks to expand microfinance business service by a scientific and efficient management of credit risks of smallmicro-enterprises. In this paper, taking the creditbusiness of Jiangsu Changjiang Commercial Bank as the research object ,andthe smallmicro-credit and the risk management theoryas analysis basis, combining with traditional credit business management experience, aimed at the smaller enterprises ,theauthor extractthewholeprocess risk management techniques from theorganizationalstructuretothebusinessstandard.JiangsuChangjiangCommercialbanks also operate substantially in accordance with this model, and achieved certain results. Finally,theauthorwillput forwardsomeadvicesfromapracticalperspective,abouthowto strengthensmallerenterprises‘creditbu