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，commercialbanksactivelyexplorenewprofitpoint，thedomesticsmalla

2、ndmicroenterprisesfinancingdifficulties，”theproblemcanbealleviated，thegovernment’Ssupportivepoliciestobesuccessful，toachievethesituationofthebank，corporateandgovernment”Totalwintemporary．However，smallandmicroenterprisesownshortcomings，unstablemarketenvironment，thebankre—lendingthelightpipe，prod

3、ucthomogeneityserious，suchasfactorshinderingthehealthydevelopmentofsmallandmicrobusinessloans，smallandmicroloans”quality”asthe”quantity”decreasedwiththeincrease，risingcreditriskisalreadyahugethreattobanksaffectthesurvivalanddevelopment．Howtobuildandoptimizesmallmicroloanriskmanagementhasbecomea

4、focusofattentionofmajorcommercialbanks，butalsothecentralissueofthispaper．Theinnovationofthispaperistoenlightenboththeoryandpractice-oriented．Intheory，thispaperasthebackgroundstrategictransformationofthecommercialbanks，basedonpreviousstudiesandinformationasymmetry，thethreecornerstonesofthetheory

5、ofcreditrationing，businesslifecycle，fromchildhoodtodefinethecharacteristicsofmicro—enterprisesandsmallandmicro—loans，andexplorethesmallandmicrotheformationoftheintensionofloanrisk，analyzethepurposeandthecontentofsmalllayersofmicrocreditriskmanagement．Inpractice，thispaperanalyzestheliteratureand

6、caselaw,toChinaMinshengBank’S“BusinessLoan”engagedintheresearchsample，descriptionChinaMinshengBank(CMBC)ofsmallandmicrobusinessesandsmallandmicroloansloanriskmanagementproblems，andfromtheriskmanagementpointofviewofitscauses．InthispaperattemptstofindabreakthroughfromtheChinaMinshengBankitself，ra

7、isedawarenessoftherisk—basedriskmanagementmechanismtoreshape，setupthe“threshold”properly，improvethecreditratingofsmallandmicro—enterpriseloanpricingmechanismtobuilddynamicriskearly万方数据warningandpreventionsystemmeasuresfortherealiz