I 摘要 最近几年以来，伴随着全国经济的快速发展进步，银行信贷业务也随着社会经济发 展进步的脚步而不断前行。但是银行信贷业务在快速发展进步的同时，也随之产生了各 种风险隐患，即商业银行不良信贷连续增加，这逐渐成为了商业银行发展道路上的拦路 虎，怎样处理和解决巨额不良信贷的沉重压力，怎样落实好信贷经济风险防范控制和综 合管理工作，逐渐成为了商业银行面对的重大实际问题?根据当前我国商业银行信贷风 险管控的实际，从邮储银行宜春分行小微信贷业务的风险管控，展开深入、全面的研究 分析，不断优化提高信贷风险的管理运营化解方法，把小微信贷风险概率减小到最低， 同时提升邮储银行宜春分行的市场竞争力具有深远影响。 本文以小微信贷业务经济风险原理为分析研究的基础，首先，对邮储银行宜春分行 中小微贷款相关实际情况和产品进行了论述介绍；其次，研究分析了邮储银行宜春分行 现行的小微信贷风险评测方式、信贷风险种类和已有的主要问题和矛盾；第三，按照邮 储银行宜春分行的有关数据信息，从小微企业层面与银行自身实际层面，研究分析了邮 储银行小微信贷业务经济风险种类和经济风险产生的概率性。使用层次分析研究方法 （AHP）和模糊综合评价法，经过数据信息对邮储银行小微信贷的风险展开测评分析， 通过对数据信息的运算、排布序列与对照，可知在四大种类的信贷风险里，信用风险与 操作风险的干扰因素累加值偏高，表明信用风险与操作风险是邮储银行宜春分行目前所 面对信贷风险的重要种类；流动性风险的干扰因素累加值其次，市场风险的干扰因素累 计值最小，但是对邮储银行的信贷风险综合管理来说，一样不可以忽略。从信用风险， 操作风险，流动性风险，市场风险提出一一对应的处理和解决方式。 关键词：商业银行；小微企业；信贷风险管理 Abstract II Abstract Inrecentyears,alongwiththerapiddevelopmentandprogressofthenationaleconomy, bankcreditbusinesshasbeenadvancingalongwiththepaceofsocialandeconomic developmentandprogress.Butbankcreditbusinessinthefastdevelopmentandprogressat thesametime,alsoproducedavarietyofrisks,thecommercialbankbadcreditincreased continuously,itgraduallybecametheobstacleonthewaytodevelopmentofcommercial Banks,howtodealwithandsolvetheheavypressureofhugeamountsofbadcredit,howto implementthecreditriskofeconomiccontrolandintegratedmanagement,graduallybecome importantpracticalproblemsfacedbythecommercialBanks.Basedonthecurrentour countrycommercialbankcreditriskcontroloftheactual,fromthepostofficebankyichun branchsmallmicrocreditriskcontrolofthebusiness,athoroughandcomprehensiveresearch andanalysis,Continuouslyoptimizethemanagementandoperationsolutionstoimprove creditrisks,reducetheprobabilityofsmallandmicrocreditriskstotheminimum,and improvethemarketcompetitivenessofYichunBranchofpostalSavingsBankhasa far-reachingimpact. Basedontheeconomicriskprincipleofsmallandmicrocreditbusiness,thispaper firstlyintroducestheactualsituationandproductsofsmallandmicroloansofYichunBranch ofPostalSavingsBank.Secondly,thepaperanalyzestheexistingsmallandmicrocreditrisk evaluationmethods,creditrisktypesandexistingmainproblemsandcontradictionsinyichun BranchofpostalSavingsBank.Thirdly,accordingtotherelevantdataandinformationof YichunBranchofPostalSavingsBank,thepaperanalyzesthetypesofeconomicrisksand theprobabilityofeconomicrisksinthesmallandmicrocreditbusinessofthePostalsavings Bankatthelevelofsmallandmicroenterprisesandtheactuallevelofthebankitself.Using hierarchyanalysismethod(AHP)andfuzzycomprehensiveevaluationmethod,throughthe datainformationtothepostofficebanksmallmicrocreditriskassessmentanalysis,basedon thedatasequenceofoperation,configurationandcontrolinformation,knowninthefour kindsofcreditrisk,creditriskandoperationalriskaccumulatedvalueinterferencefactorson thehighside,showsthatthecreditriskandoperationalriskisyichunbranchpostofficebank creditriskfacingcurrentlyimportantspecies;Secondly,theaccumulativevalueofthe disturbancefactorsofliquidityriskistheminimumvalueofthedisturbancefactorsofmarket risk,butforthecreditriskcomprehensivemanagementofpostalsavingsbank,thesame cannotbeignored.Fromthecreditrisk,operationalrisk,liquidityrisk,marketrisktoput forwardaone-to-onetreatmentandsolution. Keywords:CommercialBanks;Smallandmicroenterprises;Creditriskmanagement 1 目录 第1章绪论.............................................................................................................................4 1.1研究背景.....................................................................................................................4 1.2研究意义.....................................................................................................................4 1.3研究思路与研究方法.................................................................................................5 1.3.1研究思路...........................................................................................................5 1.3.2研究方法...........................................................................................................6 1.4可能的创新点.............................................................................................................7 第2章相关概念与文献综述.................................................................................................8 2.1小微信贷的含义及特点.............................................................................................8 2.1.1小微企业的界定...............................................................................................8 2.1.2小微信贷的定义...............................................................................................9 2.1.3小微信贷的特点...............................................................................................9 2.2信贷风险管理的含义和内容...................................................................................10 2.2.1信贷风险管理含义.........................................................................................10 2.2.2信贷风险管理内容.........................................................................................10 2.2.3信贷风险管理程序.........................................................................................11 2.3文献综述...................................................................................................................12 2.3.1小微信贷识别的研究.....................................................................................12 2.3.2小微信贷风险评估的研究.............................................................................14 2.3.3小微信贷风险成因的研究.............................................................................16 2.3.4小微信贷风险防范对策的研究.....................................................................17 2.3.5文献评述.........................................................................................................18 第3章邮储银行宜春分行小微信贷风险管理及存在的问题...........................................19 3.1邮储银行宜春分行小微信贷业务现状...................................................................19 3.1.1邮储银行宜春分行基本概况.........................................................................19 3.1.2邮储银行宜春分行所在地小微金融环境分析.............................................19 3.1.3邮储银行宜春分行小微信贷业务现状.........................................................20 3.2邮储银行宜春分行小微信贷风险管理现状...........................................................21 3.2.1信贷管理制度执行不到位..................................................................................22 3.2.2小微企业信贷业务结构不科学...........................................................................23 3.2.3小微企业信贷业务流程不合理..........................................................................23 3.2.4小微企业信贷风险管理手段不先进..................................................................24 邮储银行宜春分行小微信贷风险管理研究 邮储银行宜春分行小微信贷风险管理研究 2 3.2.5小微信贷队伍建设不重视...............................................................................24 第4章邮储银行宜春分行小微信贷风险识别...................................................................26 4.1信用风险...................................................................................................................26 4.2操作风险..