金融资产的国家化、跨境流动也随着金融资产的快速膨胀而日趋加速，伴随着金
融资产的加速膨胀与流动的还有人们对金融风险的控制。商业银行作为金融的一
大核心部门，其经营管理的核心问题就是对信贷风险的管理。一家商业银行是否
能够永续经营，关键就是看其应对风险的管理能力。信贷风险管理作为现代商业
银行风险管理的核心内容，更是成为衡量商业银行经营是否良好的标准。目前，
我国经济步入“新常态”，我国大力推广“大众创业、万众创新”，“大众创业、
万众创新”被称为我国“新常态”经济发展的双引擎，中小企业作为实施大众创
业、万众创新的载体，对我国经济增长、国民就业起到了不可替代的作用。在此
背景下，华融湘江银行作为湖南省地方性银行，又以“小精专新特”的市场定位
服务当地中小企业，因此本文以华融湘江银行为案例，研究其对湖南省中小企业
的信贷风险管理，并提出存在的问题与改进措施，期望能够对华融湘江银行以及
湖南当地企业带来良好的发展，这无疑具有重要的实践意义

本文首先是通过国内外对银行信贷风险管理，尤其是中小企业信贷风险管理
的文献与理论进行了梳理，总结出现有研究的不足；紧接着，从中小企业的内涵、
信贷风险、风险管理三个方面进行了理论分析，为下文现实分析的展开奠定理论
基础；随后对华融湘江银行及其小企业信贷业务管理、小企业信贷业务风险进行
了总结，在此基础上阐述了华融湘江银行中小企业信贷风险管理中存在的问题

最后，在进行现状分析后从健全中小企业信贷风险控制机制、优化中小企业
信贷风险评价体系和完善全程管理提升管理力度三个方面提出了改进方案，并提
出从改善传统的风控理念、加强风险控制人员的培养两个方面完善中小企业信贷
风险管理的保障措施

关键词：风险管理；小企业信贷；华融湘江银行V
Abstract
As the core financial department, commercial banks play an important role in the
economic development of a country. The nationalization of financial assets and
cross-border flows are accelerating with the rapid expansion of financial assets,
accompanied by the accelerated expansion and flow of financial assets, as well as the
control of financial risks. As the core of finance, commercial bank is the core of its
operation and management. The key to a commercial bank&39;s sustainable management
is its management ability to cope with risks. Credit risk management, as the core
content of modern commercial bank risk management, has become a standard to
measure whether the commercial banks operate well. At present, China&39;s economy
into the new normal, China vigorously promote public entrepreneurship, innovation
, public entrepreneurship, innovation is known as the twin engine of China&39;s new
normal economic development, small and medium-sized enterprises as the
implementation of public entrepreneurship, innovation carrier, on China&39;s economic
growth, national employment has played an irreplaceable role. Under this background,
Huarong Xiangjiang bank as a local bank in Hunan Province, with small fine new
market positioning service of local small and medium enterprises, therefore, Huarong
Xiangjiang bank as a case, the research on credit risk management of small and
medium enterprises in Hunan Province, and puts forward the improvement measures
and existing problems, hoping to bring the good development of Huarong Xiangjiang
bank and the Hunan local enterprises, which undoubtedly has important practical
significance.
This is the first at home and abroad on bank credit risk management, especially
the literature and theory of SME credit risk management is reviewed, summarized the
research insufficiency; then, the theoretical analysis from three aspects of the
connotation of small and medium-sized enterprises, credit risk, risk management, and
lay the theoretical foundation for the following analysis of the reality; then the
Huarong Xiangjiang bank and the small business credit management, small business
credit risk is summarized, on the basis of the existing credit risk management of small
and medium-sized enterprises in Huarong Xiangjiang bank issues.
Finally, in the analysis of the status quo from the perfect SMEs credit risk
control mechanism, optimize the small and medium-sized enterprise credit risk
evaluation system and improve the whole process management to enhance theVI
management of three aspects put forward the improvement scheme, and puts forward
the improvement of the traditional culture from the risk control concept, strengthen
risk control personnel in two aspects to improve security measures of credit risk
management small and medium sized enterprises.
KEY WORD: Risk Management; Small Business Credit; HuaRongXiangJiang BankVII
目录
第 1 章 导论......1
1.1 选题背景及意义..........1
1.1.1 选题背景 1
1.1.2 研究意义 2
1.2 国内外文献述评..........3
1.2.1 国外相关文献综述........ 3
1.2.2 国内相关文献综述........ 4
1.2.3 国内外研究述评 6
1.3 研究内容与方法..........6
1.3.1 研究内容 6
1.3.2 研究方法 8
1.4 研究思路与框架..........8
1.5 主要创新点......9
第 2 章 商业银行信贷风险管理的相关理论基础....11
2.1 关于中小企业的内涵11
2.2 信贷风险的理论基础12
2.2.1 信贷风险内涵.. 13
2.2.2 信贷风险的分类.......... 13
2.2.3 关系型贷款...... 13
2.3 风险管理的理论基础14
2.3.1 信息不对称理论.......... 14
2.3.2 全面风险管理理论...... 15
2.3.3 信贷风险的管理与控制.......... 16
第 3 章 华融湘江银行中小企业信贷风险管理现状分析....18
3.1 华融湘江银行基本介绍........18
3.2 华融湘江银行中小企业信贷业务开展的基本现状19
3.2.1 信贷规模发展态势...... 19
3.2.2 小企业不良贷款水平.. 20
3.2.3 中小企业贷款形式...... 21
3.3 华融湘江银行中小企业信贷业务管理现状分析....22
3.3.1 华融湘江银行中小企业信贷业务经营模式.. 22
3.3.2 华融湘江银行中小企业信贷业务流程现状.. 22VIII
3.4 华融湘江银行中小企业信贷业务风险管理现状分析........24
3.4.1 华融湘江银行中小企业信贷风险分类分析.. 24
3.4.2 华融湘江银行中小企业信贷风险管理方法分析...... 25
第 4 章 华融湘江银行中小企业信贷风险管理存在的问题29
4.1 控制风险的手段缺乏针对性29
4.2 风险评价不合理........31
4.3 风险管理力度不够....31
4.4 客户信用查询缺失.......
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