I 摘要 随着经济的进步，中小微企业在国民经济中发挥着越来越重要的作用。当前国家对 中小微企业的扶持力度越来越大，对国有大行更是提出了要有大行风范，担起社会责任 的要求。但是由于中小微企业有着规模小、经营能力差、抗风险能力不足的弱点，加上 由信息不对称导致的道德风险和逆向选择的原因，商业银行对中小微企业的信贷风险管 理工作成为了风险内控工作的重点。自2014年开始，中小微企业信贷业务出现了大面 积的不良资产，这表明了发展中小微企业信贷业务确实存在着风险。对商业银行而言， 既要相应国家的政策，抓住中小微的信贷融资带来利润的机会，又要对中小微企业的信 贷资金做好风险管理工作，这无疑来说是个严峻的考验。 本文通过对国内外先进的信贷风险管理理论和技术的研究探讨，以V银行保定分行 为例，搜集了V银行保定分行近三年的信贷数据，对V银行保定分行中小微企业信贷业 务的发展现状及风险管理现状进行了大量的定性定量分析。并采用电子问卷调查的方式 对V银行保定分行的员工，就关于中小微企业信贷风险管理的问题进行了调查，对收回 问卷的内容信息进行了探讨和研究，分析得出了V银行保定分行在中小微企业信贷风险 管理的问题，并由此提出了既能解决中小微企业融资困难的问题，又能满足中小微企业 信贷业务发展的信贷风险管理对策。论文研究的最终目的也是为了把研究成果应用到实 际工作中，解决当前V银行保定分行中小微企业信贷风险管理的问题，减少不良贷款的 出现，确保信贷资金的安全，促进社会、银行、中小微企业的共同发展。 关键词：V银行保定分行 中小微企业 信贷风险管理 河北大学硕士学位论文 II Abstract With the development of economy, small and medium-sized enterprises play an increasingly important role in the national economy. At present, the State supports more and more small and medium-sized enterprises, and puts forward the requirements for the state-owned big banks to have a big demeanor and take social responsibility. However, due to the weakness of small scale, poor management ability and insufficient anti risk ability of small and medium-sized enterprises, as well as the moral hazard and adverse selection caused by information asymmetry, the credit risk management of small and medium-sized enterprises by commercial banks has become the focus of risk internal control. Since 2014, there has been a large area of non-performing assets in the credit business of small and medium-sized enterprises, which indicates that there are risks in the development of the credit business of small and medium-sized enterprises. For commercial banks, it is undoubtedly a severe test that they should not only grasp the profit opportunities brought by the credit financing of small and medium-sized enterprises, but also do a good job in risk management for the credit funds of small and medium-sized enterprises. Based on the research and discussion of advanced credit risk management theory and technology at home and abroad, Taking Baoding Branch of V bank as an example, through collecting the credit data of Baoding Branch of V bank in recent three years, this paper makes a lot of qualitative and quantitative analysis on the development status and risk management status of small and medium-sized enterprise credit business of Baoding Branch of V bank. In addition, this paper uses electronic questionnaire to survey the employees of Baoding Branch of V bank, investigates the problems of credit risk management of small and medium-sized enterprises, probes into and studies the contents of the questionnaire, analyzes the problems of credit risk management of small and medium-sized enterprises in Baoding Branch of V bank , and puts forward the problems that can not only solve the financing difficulties of small and medium-sized enterprises, At the same time, it can meet the development of credit business of small and medium-sized enterprises. The ultimate purpose of this paper is also to apply the research results to practical work, to solve the current problems of credit risk management of small and medium-sized enterprises in Baoding Branch of V bank, to reduce the emergence of non-performing loans, to ensure the safety of credit funds, and to promote the common Abstract III development of society, banks, small and medium-sized enterprises. Keywords: Baoding Branch of V Bank Small and Medium-Sized Enterprises Credit Risk Management 河北大学硕士学位论文 IV 目 录 第一章 绪论 ........................................................................................................................1 1.1 研究背景及意义 ....................................................................................................1 1.1.1 研究背景.....................................................................................................1 1.1.2 研究意义.....................................................................................................1 1.2 国内外研究现状 ....................................................................................................2 1.2.1 国外研究现状 .............................................................................................2 1.2.2 国内研究现状 .............................................................................................2 1.3 研究方法 ...............................................................................................................4 1.4 研究内容与框架 ....................................................................................................4 1.5 创新点 ...................................................................................................................6 第二章 中小微企业信贷风险管理的理论概述 ..................................................................7 2.1 中小微企业相关概述 ............................................................................................7 2.1.1 中小微企业的定义及划分 ..........................................................................7 2.1.2 中小微企业的特点 .....................................................................................8 2.2 中小微企业信贷风险管理相关概述 .....................................................................8 2.2.1 中小微企业信贷风险管理定义 ..................................................................8 2.2.2 中小微企业信贷风险管理要素 ..................................................................9 2.2.3 中小微企业信贷风险管理特征 ..................................................................9 2.2.4 中小微企业信贷风险管理模式 ................................................................ 10 2.3 相关理论基础 ..................................................................................................... 11 2.3.1 信息不对称理论 ....................................................................................... 11 2.3.2 全面风险管理理论 ................................................................................... 12 2.3.3 商业银行信贷风险管理理论 .................................................................... 12 第三章 V银行保定分行概况及中小微企业信贷风险管理现状 ..................................... 13 3.1 V银行保定分行简介 .......................................................................................... 13 3.2 V银行保定分行及辖区中小微企业信贷业务发展概况 .................................... 15 目录 V 3.2.1 保定地区中小微企业信贷业务发展现状................................................. 15 3.2.2 V银行保定分行中小微企业信贷业务发展现状 ..................................... 18 3.3 V银行保定分行中小微企业信贷风险管理现状 ................................................ 21 3.3.1 V银行保定分行中小微企业信贷风险管理基本情况 ............................. 21 3.3.2 V银行保定分行中小微企业信贷风险管理体系现状 ............................. 25 第四章 V银行保定分行中小微企业信贷风险管理问题 ................................................. 27 4.1 问卷设计 ............................................................................................................. 27 4.1.1 问卷调查范围及方案 ............................................................................... 27 4.1.2 问卷调查设计 ........................................................................................... 27 4.2 问卷调查样本收集 ........................................