商业银行小微企业信用风险管理研究金融学专业论文.docxVIP

险评估体系的可操作性，同时对小微企业的信用风险管理提出了拓展性建议。一 方面对小微企业贷款风险分类体系的思考，结合《银行开展小企业贷款业务指导 意见》，探索适合小微企业信贷风险特色的、按银行信贷项目别的风险评级方式； 另一方面对建立全方位的贷后风险监管体系的思考，在信用风险模型监控频度、 对重大事项贷后监控对第二还款来源贷后监控方面，商业银行仍有努力的空间。 关键词：小微企业；商业银行；信用风险；风险评级 The Research on Micro-enterprise Credit Risk Management of Commercial Bank Abstract At present, the financing demand of the small micro enterprise growth is rapidly expanding by more than 10%, but accordingly, demand gap also with 13% increase every year. Obviously, with the demand for credit in short supply, the financing demand of the small micro enterprise has serious contradictions betwee