摘要
全球经济一体化的趋势下，中小企业作为我国非公有制经济的重要部分，逐渐成为
新的经济增长点的主要推力，其授信市场逐渐成为各家银行必争之地。由于小规模企业
自身存在着诸多劣势，商业银行在进行授信的过程当中面临更多的不确定性因素。怎样
科学合理的对于风险进行管理和控制，为银行需要应对和解决的关键问题

这篇文章对授信风险管理的国内外研究动态和相关理论进行了细致归纳梳理，在风
险管理理论分析框架下，结合中小企业融资特点，全面分析恒丰银行中小企业授信业务
的风险管理现状及问题，运用统计估值法和回归分析法对恒丰银行中小企业授信业务风
险的影响因素进行分析，在理论实证的基础上进行恒丰银行对中小企业授信风险管理的
案例分析，提出合理化对策建议

本文在理论研究的基础上，通过对恒丰银行在中小企业授信风险管理方面的具体问
题进行客观、深入的分析，获取了以下几点研究结论：
首先，恒丰银行实际对于授信风险进行管理和控制的过程当中存在着一定的缺陷，
就像，风险管理和控制运行机制存在问题，没有对于风险管理和控制工作引起足够的重
视；贷后检查管理不科学；人才管理工作不科学不合理

其次，在对于授信风险进行研究和分析的过程当中，围绕实际案例来展开，最终得
出，人才技能水平不足；管理和约束存在缺失；随着授信活动种类的增加，所面临的风
险得到进一步的管理和控制；
再者，根据案例的实际情况以及实际需要，进行相关应对举措和办法的制定，进行
顾客统一授信管理机制的发展建设，打造具有国际视野的授信团队，建设银企的家文化，
利用金融云数据，创新产品，促进相互协作，进行更加科学合理小规模企业授信风险管
理机制的发展建设

最后，对于案例授信风险管理和控制过程当中所具有的缺陷和不足进行进一步的研
究和探讨，在这个基础上进行相关应对举措和办法的制定与实施；引导和促进银行对于
风险管理和控制引起更高的重视；从各个不同的环节入手，促进风险管理和控制工作质
量与效率的全面提升；进行授信责任倒追体系的发展建设；强化授信队伍建设，实施人
才发展战略等全面促进恒丰银行中小型企业授信风险管控体系的完善

关键词：中小企业；授信业务；风险管理；恒丰银行RESEARCH ON CREDIT RISK MANAGEMENT OF SMALL AND
MEDIUM SIZED ENTERPRISES OF HF BANK
ABSTRACT
Under the trend of global economic integration, as an important part of non-public
ownership economy, small and medium-sized enterprises (SMEs) have gradually become the
main thrust of the new economic growth point. Its credit market has gradually become the
battleground of banks. Because of the disadvantages of small scale enterprises, commercial
banks face more uncertainties in the process of credit. How to manage and control the risk
scientifically and reasonably is the key problem for banks to deal with.
This article makes a detailed summary of the domestic and foreign research trends and
related theories of credit risk management. Based on the analysis of risk management theory,
the paper analyzes the situation and problem of the risk management of the giving credit in
the small and medium-sized enterprises of Hengfeng bank. This paper analyzes the influence
factors of the giving credit business risk in the small and medium-sized enterprises of
Hengfeng bank using statistical valuation method and regression analysis. On the basis of
theoretic evidence, this paper analyzes the case analysis of credit risk management of small
and medium-sized enterprises by Hengfeng bank, and puts forward some suggestions for
rationalization.
On the basis of theoretical research, through the objective and in-depth analysis of the
specific problems in the credit risk management of the small and medium-sized enterprises by
Hengfeng bank, the following findings are obtained:
First of all, Hengfeng bank actually has some defects in the process of managing and
controlling credit risk. There is a problem with risk management and controlling operating
mechanisms. There is not enough emphasis on risk management and control. The post-loan
inspection is unscientific. The talent management work is not scientifically unreasonable.
Second, in the course of research and analysis of credit risk, expand on the actual case.
Finally it is concluded that there is a lack of management and constraints and inadequate
skills in talent. As the variety of credit activities increases, the risks are further managed and
controlled.
In addition, based on the actual situation of the case and the actual needs, banks should
make relevant countermeasures and measures, and develop and construct unified credit
management mechanism. Make credit team with an international vision, and construct theculture of the bank, using the financial data of cloud, innovative products, to promote mutual
cooperation, and to develop and construct a more scientific and reasonable small enterprise
credit risk management mechanism.
The last, further study and discuss the defects and shortcomings of the case credit risk
management and control process. Formulate and implement relevant measures and measures
on this basis. The guidance and promotion of banks are more important for risk management
and control. Starting from various stages, banks will promote the overall improvement of risk
management and control quality and efficiency. Develop and construct the system of credit
and credit that should be pursued. Strengthen the construction of credit lines. Implement the
strategy of personnel development to improve the credit risk management system for the
small and medium-sized enterprises of Hengfeng bank.
KEY WORDS: Small and medium-sized enterprises, Credit business, Risk management, HF
bank目 录
第一章 导论....1
1.1 研究背景... 1
1.2 研究目的和意义... 2
1.2.1 研究目的 ..... 2
1.2.2 研究意义 ..... 2
1.3
。。。以上简介无排版格式，详细内容请下载查看