商业银行小微企业贷款信用风险控制-研究

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1、商业银行小微企业贷款信用风险控制研究AbstractSmallandmicrobusinessesplayanirreplaceableroleintheexpansionofemployment，economicgrowthandencouraginginnovation，butthefinancingofsmallandmicrobusinesseshasbeenamajorprobleminChina’Seconomy．Asourcountrystrengthenscreditsupporttotheseenterprise

2、s，commercialbanksarealsofullyawareofitspotentialvalueandstartthesmallandmicrobusinessescreditserviceasoneofthechannelsforstablebusinessgrowth．However，comparedwiththelargeandmedium-sizedenterprises，thelivingspaceofsmallandmicrobusinessisnarrow．Bankslendtosmallandmicrob

3、usinessestoobtainlargerspread，butalsobearthegreatercreditriskthanotherloanbusiness．”Highcreditrisk’’hasbecomeahandicapofsmallandmicrobusinessesloansdevelopment．Howtoanalyzeandcontrolthecreditriskofsmallandmicrobusinessesloansbecomethekeytosustainabledevelopmentforcomm

4、ercialbanksmallandmicrobusinessescreditbusiness．Thispaperintheperspectiveofcommercialbanksconductsacomprehensiveinductionofcreditriskcontroltechnologyandsystemtobuildagoodtheoreticalplatform．ThenfromthepracticeofChina’Scommercialbankslendingtosmallandmicrobusinesses，t

5、hepartanalyzesdetailedlythestatusquoofbanks’creditriskcontrolfromthetechnicallevelofcreditlimit，guarantee，loanpricing，andtheinstitutionallevelofprocesscontrol，professionalinstitutionalmanagement，retailcreditmodel．Comparedwiththecurrentsituationofforeigncommercialbanks

6、mallbusinesscreditriskcontrol，thepartsummarizesthemanagementproblemsofChina’Scommercialbanks：lackofprofessionalcredittechnology，imperfectcreditguaranteesystem，thepracticeresultofsmallbusinesscreditfranchiseeisnotsignificantandSOon．Inordertorevealthefinancialfactorsand

7、non—financialfactorsofsmallandmicroenterprisecreditdefaultrisk，empiricalpartconstructstheindexsystemoftherealdataandusesProbitmodeltoanalysisempiricallycreditdefaultsituationofsmallandmicrobusinessesinacommercialbankbranchinHunanprovince，concludingthatqualitativevaria

8、blessuchasrelevantenterprisesandentrepreneursinformationwhichhasstrongerexplanatorypowerforsmallandmicrobusinessesdefaulttha