c银行小微企业信贷风险管理.研究

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1、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

2、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文AbstractThesmallerenterprisesisanimportantfoundationofChina'snationaleconomicdevelopment,whicheffectivelypromotedtheeconomicgrowthandtechnologicalinnovation,createdalargenumberofjobs.However,Thesmallerent

3、erprisefinancingisadifficultproblemtobreakforalongtime.Underthepressureofexternalcompetitionandinternalprofit-driven,Commercialbankshaveincreasedtheinvesmentinmicrofinance,andvieweditasanopportunityforbusinesstransformation.However,Smallerenterprises'creditriskissueshinderedcommercialb

4、anksattempt.Therefore,it'saninevitablechoiceforournationalcommercialbankstoexpandmicrofinancebusinessservicebyascientificandefficientmanagementofcreditrisksofsmallmicro-enterprises.Inthispaper,takingthecreditbusinessofJiangsuChangjiangCommercialBankastheresearchobject,andthesmallmicro-

5、creditandtheriskmanagementtheoryasanalysisbasis,combiningwithtraditionalcreditbusinessmanagementexperience,aimedatthesmallerenterprises,theauthorextractthewholeprocessriskmanagementtechniquesfromtheorganizationalstructuretothebusinessstandard.JiangsuChangjiangCommercialbanksalsooperate

6、substantiallyinaccordancewiththismodel,andachievedcertainresults.Finally,theauthorwillputforwardsomeadvicesfromapracticalperspective,abouthowtostrengthensmallerenterprises‘creditbusinessriskmanagement.Keywords:smallerenterprises,credit,riskmanagementII目录目录摘要............................

7、............................................................................................................IAbstract..................................................................................................................................II第1章绪论..............................