民生银行小微贷款风险管理研究

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1、万方数据ABSTRACTUnderthe“comprehensivedeepeningreform”and”financialdisintermediation”erabackground，smallandmicrobusinessloanspotentialtobecomestrategictransformationofChina’Scommercial．Withthegradualexpansionofsmallandmicrobusinessloans，commercialbanksactivelyexplore

2、newprofitpoint，thedomesticsmallandmicroenterprisesfinancingdifficulties，”theproblemcanbealleviated，thegovernment’Ssupportivepoliciestobesuccessful，toachievethesituationofthebank，corporateandgovernment”Totalwintemporary．However，smallandmicroenterprisesownshortcomi

3、ngs，unstablemarketenvironment，thebankre—lendingthelightpipe，producthomogeneityserious，suchasfactorshinderingthehealthydevelopmentofsmallandmicrobusinessloans，smallandmicroloans”quality”asthe”quantity”decreasedwiththeincrease，risingcreditriskisalreadyahugethreatto

4、banksaffectthesurvivalanddevelopment．Howtobuildandoptimizesmallmicroloanriskmanagementhasbecomeafocusofattentionofmajorcommercialbanks，butalsothecentralissueofthispaper．Theinnovationofthispaperistoenlightenboththeoryandpractice-oriented．Intheory，thispaperasthebac

5、kgroundstrategictransformationofthecommercialbanks，basedonpreviousstudiesandinformationasymmetry，thethreecornerstonesofthetheoryofcreditrationing，businesslifecycle，fromchildhoodtodefinethecharacteristicsofmicro—enterprisesandsmallandmicro—loans，andexplorethesmall

6、andmicrotheformationoftheintensionofloanrisk，analyzethepurposeandthecontentofsmalllayersofmicrocreditriskmanagement．Inpractice，thispaperanalyzestheliteratureandcaselaw,toChinaMinshengBank’S“BusinessLoan”engagedintheresearchsample，descriptionChinaMinshengBank(CMBC

7、)ofsmallandmicrobusinessesandsmallandmicroloansloanriskmanagementproblems，andfromtheriskmanagementpointofviewofitscauses．InthispaperattemptstofindabreakthroughfromtheChinaMinshengBankitself，raisedawarenessoftherisk—basedriskmanagementmechanismtoreshape，setupthe“t

8、hreshold”properly，improvethecreditratingofsmallandmicro—enterpriseloanpricingmechanismtobuilddynamicriskearly万方数据warningandpreventionsystemmeasuresfortherealiz