中图分类号：F832密级：公开
UDC：本校编号：
工商管理硕士(MBA)学位论文
论文题目：WD 农商银行小额贷款业务
风险控制研究
研究生姓名：赵真真学号：2719147
学校指导教师姓名：吕萍职称：教授
论文提交日期：2021年10月01日论文答辩日期：2021年12月11日
工商管理硕士(MBA)学位论文
WD 农商银行小额贷款业务风险控制研究
Research on Risk Control of Small Loan Business of WD Rural
Commercial Bank
作者姓名：赵真真
研究方向：财务管理
学号：2719147
导师姓名：吕萍
完成日期：2021年09月30日
兰州交通大学
Lanzhou Jiaotong University
兰州交通大学工商管理硕士(MBA)学位论文
摘要
在农村经济发展中，其主要的融资方式就是农村商业银行小额贷款，不仅有效促进
我国农业现代化的实现，而且还有效解决了三农问题，使我国的农村生产经营条件明显
改善。但是农村的生产行业也存在一些问题，比如容易受到自然环境以及市场风险的影
响，其经营管理能力以及收入比较低，而且农村商业银行的规模通常都比较小，所以抵
御风险的能力也比较弱，这些因素都导致农商银行的小额贷款业务的风险要高于其他银
行贷款业务，这也让农村商业银行在扩大业务规模上受到了限制，在辅助农村经济发展
上就显得力不从心。农村商业银行是我国商业银行中的一个特殊的构成部分，农村信用
社进行改制后，在小额贷款风险控制制度上，对于其他银行比较完善的风险控制体系是
不能照搬的，对农村经济发展情况以及农村的信用环境这些因素都要进行考虑。因此可
以看到，这些问题一定程度上阻碍了我国农商银行小额贷款的健康持续发展，必须完善
小额贷款业务的风险防控措施，从而有效降低小额贷款风险。
近年来，WD 农商银行在P 市农村经济发展和农业生产模式的改革中发挥着不可替
代的关键作用，其银行资产规模也取得了阶段性的成果。但是在工作中发现WD 农商银
行小额贷款风险控制中仍存在着风险预警技术不先进、贷前客户风险识别能力不足、风
险控制流程不合理等等诸多技术操作问题，严重妨碍了WD 农商银行的进一步发展。所
以WD 农商银行必须针对当前小额贷款业务中存在的较高风险，有针对性的进行风险控
制，从提高小额贷款风险识别能力、完善风险控制流程、提高信贷人员专业程度等方面，
降低小额信贷的风险，保障小额贷款业务的持续健康发展。
此次研究首先在相关文献和理论的基础上，对小额贷款风险控制的研究成果进行梳
理，对相关的理论进行总结，然后以WD 农商银行为研究对象，对其小额贷款业务的发
展现状进行分析，从小额贷款风险识别和风险评价体系上找出其存在问题。最后，结合
WD 农商银行的业务情况，针对存在的问题，提出小额贷款风险控制对策及保障措施。
通过此次研究，希望可以为WD 农商银行乃至其他地区的农商银行的小额贷款业务风险
控制提供理论以及方法上的指导，可以发现WD 农商银行存在风险的地方，为相关部门
制定风险控制措施提供帮助，从而促进农商银行小额贷款业务得到持续健康发展。
关键词：农商银行；小额贷款；风险控制
论文类型：应用研究
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WD 农商银行小额贷款业务风险控制研究
Abstract
In the development of rural economy,the main financing method is rural commercial
bank microfinance,which not only effectively promotes the realization of China's agricultural
modernization,but also effectively solves the problems of agriculture,rural areas and farmers,
and significantly improves China's rural production and operation conditions.However,there
are also some problems in the rural production industry.For example,it is vulnerable to the
impact of natural environment and market risks,its operation and management ability and
income are relatively low,and the scale of rural commercial banks is usually relatively small,
so the ability below risk is also relatively weak.These factors lead to the risk of small loan
business of rural commercial banks higher than that of other banks,this also limits the
expansion of business scale of rural commercial banks,which is unable to assist the
development of rural economy.Rural commercial banks are a special part of China's
commercial banks.After the reform of rural credit cooperatives,in the micro loan risk control
system,the more perfect risk control system of other banks can not be copied.These factors
should be considered,such as rural economic development and rural credit environment.
Therefore,we can see that these problems have hindered the healthy and sustainable
development of microfinance in rural commercial banks in China.We must improve the risk
prevention and control measures of microfinance,so as to effectively reduce the risk of
microfinance.
In recent years,WD Rural Commercial Bank has played an irreplaceable key role in the
rural economic development and agricultural production mode reform in P City,and its bank
asset scale has also achieved phased results.However,in the work,it is found that there are
still many technical problems in risk control of WD Rural Commercial Bank,such as
inadequate risk warning technology,insufficient pre loan customer risk identification
capabilities,unreasonable risk control procedures and so on,which have seriously hindered
the further development of the bank.Therefore,for WD Rural Commercial Bank,risk control
should be carried out in a targeted manner,aiming at the higher risks that exist in the current
small loan business.At the same time,relevant measures should be implemented to reduce the
risks of microfinance and ensure the sustainable and healthy development of microfinance
business,from improving the ability of microfinance risk identification,improving risk
control procedures,and improving the professionalism of credit personnel.
Firstly,based on the relevant literature and theory,this paper combs the research results
of risk control of microfinance,summarizes the relevant theories and puts forward some
problems.Then,the WD Rural Commercial Bank is taken as the research object,and the
development status of its microfinance business is analyzed,and several problems are also
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兰州交通大学工商管理硕士(MBA)学位论文
found out from small loans risk identification and risk evaluation system.Finally,based on
the actual situation of WD Rural Commercial Bank,the paper puts forward several
countermeasures and safeguard measures to improve the risk control of microfinance business
in response to these problems.Through this study,we hope that it can provide theoretical and
methodological guidance for risk control of small loan business of WD Rural Commercial
Bank and even rural commercial banks in other regions.It also can be found that where there
are risks in WD Rural Commercial Bank.The results of this study can help relevant
departments to formulate risk control measures,so as to promote the sustainable and healthy
development of rural commercial banks’small loan business.
Key Words：Rural Commercial Bank;Small Loans;Risk Control
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