I 摘要 中小企业在我国经济平稳发展的过程中也逐渐成长、壮大，已成为扩大就业、 稳定民生、增加税收、活跃市场等方面的主要载体。近年，商业银行响应国家促 进中小企业健康发展的号召，积极设立专门服务中小企业的普惠金融部门，并针 对中小企业推出相应的金融产品，但受中小企业经营规模小、资金实力弱、管理 不规范等因素的影响，商业银行中小企业信贷业务风险突出。如何更有效的控制 中小企业信贷风险，成为了商业银行迫切需要研究并解决的问题，也是促进中小 企业在经济新常态中良性发展的关键。 本文以信息不对称理论、信贷配给理论、预期收入理论为基础，以ZG银行 YN省分行中小企业信贷业务发展现状和风险管理现状为研究对象，综合运用文 献研究法、访谈分析法、层次分析法、模糊综合评价法、案例分析法等方法，分 析各项因素对ZG银行YN省分行中小企业信贷风险管理的影响程度，对ZG银行 YN省分行中小企业信贷风险管理的现状作出评价，并结合实际案例对ZG银行YN 省分行在中小企业信贷风险管理中存在的问题进行总结归纳，分析问题的成因， 针对问题提出具体的解决措施。 研究指出，ZG银行YN省分行在中小企业信贷业务的风险管理中，主要存在 以下几个方面的问题：一是风险防范体系尚需强化，缺乏对风险因素的动态识别， 过度依赖第二还款来源，风险识别流程的数字化、标准化程度不高；二是管理架 构仍有优化空间，分行管理部门对基层业务人员的管理不到位，业务人员岗位设 置待优化；三是人员培养力度有待加强，职业道德风险防范力度有待提升，业务 人员的业务素养偏低。针对ZG银行YN省分行在中小企业信贷风险管理中的问题， 结合国内、国外先进的研究成果，从三个方面提出了建议和对策：一是完善风险 管理体系，建立动态风险识别机制，强化预期收入预测，完善对第一还款来源的 管控，提升风险识别的数字化、标准化程度；二是优化组织管理架构，在基层建 立专职的中小企业信贷队伍，优化审批人员绩效考核机制；三是培养良好的风险 管理文化，建立多元化培训体系，提升人员业务素养。 通过本文的研究及建议，对ZG银行YN省分行中小企业信贷业务的风险管理 摘要 II 提供有价值的参考，帮助ZG银行YN省分行提高中小企业信贷业务风险控制水平， 促进中小企业信贷业务健康发展。 【关键词】中小企业；信贷风险；风险管理 Abstract III Abstract In the process of China's steady economic development, small and medium-sized enterprises have gradually grown and become stronger, and have become the main carrier of expanding employment, stabilizing people's livelihood, increasing tax revenue and activating the market. In recent years, the commercial bank responded to an appeal by the state to promote healthy development of small and medium-sized enterprises and actively set up specialized services for small and medium-sized enterprises of pratt &whitney financial sector, and in view of the small and medium-sized enterprises (SMEs) in the case of financial products, but the small and medium-sized enterprises small in scale, weak financial strength, management is not standard, the influence of such factors as small and medium-sized enterprise credit business of commercial bank risk. How to control the credit risk of SMEs more effectively has become an urgent problem for commercial banks to study and solve, and it is also the key to promote the sound development of SMEs in the new normal of economy. Based on the information asymmetry theory, credit rationing theory, based on the theory of expected income and in mid-december, YN province branch current situation of the development of small and medium-sized enterprise credit business and risk management present situation as the research object, the integrated use of literature research, interview method, analytic hierarchy process (ahp) and fuzzy comprehensive evaluation method, case analysis and other methods, analysis of various factors on the bank of mid-december, YN province the influence degree of the small and medium-sized enterprise credit risk management, in mid-december, YN province branch evaluates the present situation of the small and medium-sized enterprise credit risk management, Combined with the actual case, this paper summarizes the problems existing in the credit risk management of YN Branch of ZG Bank in SMEs, analyzes the causes of the problems, and puts forward specific solutions to the problems. Abstract IV The study points out that the YN Branch of ZG Bank has the following problems in the risk management of SME credit business: First, the risk prevention system needs to be strengthened, the lack of dynamic identification of risk factors, excessive reliance on the second source of repayment, and the low degree of digitalization and standardization of risk identification process; Second, there is still room for optimization of the management structure. The management department of the branch is not in place for the management of grass-roots business personnel, and the position setting of business personnel needs to be optimized. Third, personnel training needs to be strengthened, and the prevention of professional moral hazard needs to be improved. The professional quality of business personnel is low. In mid-december, YN province branch of the bank credit risk management in small and medium enterprises in the problems, combined with domestic and foreign advanced research results, put forward the Suggestions and countermeasures from three aspects: one is the perfect risk management system, set up the mechanism of dynamic risk identification, strengthen the expected revenue forecasts, improve the control of the first source of repayment, enhance the digitalization and standardization degree of risk identification, Second, optimize the organization and management structure, establish a full-time credit team for small and medium-sized enterprises at the grass-roots level, and optimize the examination and approval personnel performance appraisal mechanism; Third, cultivate a good risk management culture, establish a diversified training system, and improve the professional quality of personnel. Through the research and suggestions in this paper, it provides valuable reference for the risk management of small and medium-sized enterprise credit business of YN Provincial Branch of ZG Bank, and helps to improve the risk control level of small and medium-sized enterprise credit business and promote the healthy development of small and medium-sized enterprise credit business. 【Key Words】Small and medium-sized enterprises;The credit risk;Risk management 目 录 V 目 录 摘要................................................................ I Abstract.......................................................... III 目 录............................................................... V 第一章 绪论.................................................................................................................. 1 第一节 研究背景及研究意义 ............................................ 1 一、研究背景 ......................................................... 1 二、研究意义 ......................................................... 2 第二节 国内外研究综述 ................................................. 3 一、国外研究现状 ..................................................... 3 二、国内研究现状 ..................................................... 4 三、国内外研究评述 ................................................... 5 第三节 研究内容与研究方法 ............................................ 6 一、研究内容 ......................................................... 6 二、研究方法 ......................................................... 7 第四节 创新点 .......................................................... 8 第二章 相关概念界定及理论基础.............................................................................. 9 第一节 相关概念界定 ................................................... 9 一、中小企业的界定 ................................................... 9 二、信贷风险的定义 .................................................. 10 第二节 相关理论基础 .................................................. 11 一、信息不对称理论 .................................................. 11 二、信贷配给理论 .................................................... 12 三、预期收入理论 .................................................... 12 第三章 ZG银行YN省分行中小企业信贷业务发展及风险管理现状..........