小微企业是我国市场经济发展的“轻骑兵”，在我国经济发展和社会的优化 升级的过程中发挥着积极的作用，是推动我国经济改革的核心力量。改革开放 40 年以来，我国的小微企业得到了长足迅速地发展，特别是在扩大社会就业、缓解 就业压力、增加国民收入、改善社会民生、促进繁荣稳定、增加国家税收、活跃 市场经济等方面起到了举足轻重的作用。由于小微企业自身的规模小、素质低、 信息不对称、还贷能力弱等原因，使得小微信贷业务风险也开始逐渐显现。如何 降低信贷风险、提高信贷风险管理水平、提升信贷盈利空间、促进小微企业健康 发展是发展小微信贷业务的根本所在，也是银行信贷风险管控的关键所在。 本文以 SJ 银行为例，从 SJ 银行自身来分析实际存在的信贷风险管控问题， 并提出了科学的对策和建议。论文首先介绍了选题背景和研究意义，详细介绍了 国内外对小微信贷风险管控的研究理论和最新进展，对信贷风险管控的相关理论 进行了阐述；接下来对 SJ 银行小微信贷业务的发展及风险管控现状等进行了研 究，得出 SJ 银行在小微信贷风险管理中存在识别虚假信息能力弱、风险管控制 度不完善、信息不对称、银行激励机制存在缺陷、信贷产品与服务创新不足等问 题和原因。针对存在的问题和原因，从加强 SJ 银行小微信贷风险管控制度、建 立信贷风险预警机制、优化信贷业务审批管理、提高员工业务能力专业化和水平 等方面提出建议，并引入了大数据风险管控的对策，从而达到控制信贷风险的目 的。希望本文的研究过程及对策建议能为 SJ 银行小微信贷风险管控提供好的参 考价值，对促进 SJ 银行小微信贷业务的持续健康发展具有重要的借鉴意义。 关键词：SJ 银行，小微企业，信贷风险，风险管控II SJ Bank Small And Micro Enterprises Credit Risk Management And Control Research Abstract Small and micro enterprise is the light cavalry of our country market economy development. It plays an active role in our country's economic development and social optimization and upgrading, and is the core force of our country's economic reform. In the 40 years since the reform and opening up, China's micro and small enterprises have developed rapidly. In particular, it has played a pivotal role in expanding social employment, easing employment pressure, increasing national income, improving people's livelihood, promoting prosperity and stability, increasing national taxation, and active market economy. Due to the small size, low quality, asymmetric information, and weak loan repayment ability of small and micro enterprises, the risk of small and micro credit business began to appear gradually. How to reduce credit risk, improve the level of credit risk management, enhance the credit profit space, and promote the healthy development of micro and small enterprises is the fundamental to the development of micro credit business, and is also the key to bank credit risk control. Taking SJ bank as an example, this paper analyzes actual credit risk control problems from SJ bank itself, and puts forward scientific countermeasures and Suggestions. Firstly, the thesis introduces the background of topic selection and research significance, introduces in detail the domestic and foreign research theories and the latest progress of risk control of small and micro credit, and expounds related theories of credit risk control. Next to the development of small micro SJ bank credit business and the present status of risk control are studied, it is concluded that SJ bank in small micro recognizing false information in credit risk management ability, risk control system is imperfect, information asymmetry and incentive mechanism of bank defective, such problems as insufficient credit product and service innovation, and the reason. In view of the existing problems and reasons, from strengthening the SJ bank small micro credit risk control system, establish the credit risk early warning mechanism, optimization for examination and approval of the credit businessIII management, improve employee business ability level of specialization and Suggestions, etc, and the introduction of large data risk control countermeasures, so as to achieve the goal of controlling credit risk. It is hoped that the research process and countermeasures proposed in this paper can provide good reference value for risk control of small and micro credit of SJ bank, and have important reference significance for promoting the sustainable and healthy development of small and micro credit business of SJ bank.. Keywords:SJ Bank, Microenterprise, Credit Risk, Risk ControlIV 目 录 摘要..............................................................................................................................................I Abstract ......................................................................................................................................II 目 录.........................................................................................................................................IV 第1 章 绪论...............................................................................................................................1 1.1 选题背景和研究意义.................................................................................................... 1 1.1.1 选题背景............................................................................................................... 1 1.1.2 研究意义............................................................................................................... 2 1.2 国内外研究现状............................................................................................................ 2 1.2.1 国内研究现状 ...................................................................................................... 2 1.2.1 国外研究现状 ...................................................................................................... 5 1.3 本文的研究框架............................................................................................................ 7 1.3.1 研究思路............................................................................................................... 7 1.3.2 研究方法............................................................................................................... 7 1.3.3 研究内容............................................................................................................... 8 1.4 创新点............................................................................................................................. 9 第2 章 信贷风险管控相关理论基础...................................................................................10 2.1 小微企业界定及行业划分标准.................................................................................10 2.1.1 小微企业界定 ....................................................................................................10 2.1.2 小微企业行业划分标准....................................................................................10 2.2 信贷风险概述..............................................................................................................12 2.2.1 信贷风险定义 ....................................................................................................12 2.2.2 信贷风险分类 ....................................................................................................12 2.3 小微信贷风险管控的主要内容.................................................................................13 2.3.1 我国小微企业的发展现状................................................................................13 2.3.2 我国对小微企业的扶持....................................................................................18 2.2.3 我国小微信贷风险形成原因 ...........................................................................19 第3 章 SJ 银行小微信贷业务发展及风险管控现状.........................................................21 3.1 SJ 银行的成立与发展 .................................................................................................21 3.2 SJ 银行小微信贷业务基本情况.................................................................................22 3.2.1 SJ 银行小微信贷产品介绍................................................................................22V 3.2