致谢
感谢本论文是在导师刘满芝教授和中国矿业大学工商管理研究院的悉心指
导下完成的。导师渊博的专业知识，严谨的治学态度，精益求精的工作作风，诲
人不倦的高尚师德，严以律己、宽以待人的崇高风范，朴实无华、平易近人的人
格魅力对我影响深远。不仅使我树立了远大的学术目标、掌握了基本的研究方法，
还使我明白了许多学术研究与为人处世的道理。本论文从选题到完成，每一步都
是在导师的指导下完成，倾注了导师大量的心血。在此谨向导师表示崇高的敬意
和衷心的感谢！
本论文的顺利完成，离不开各位老师、同学和朋友的关心和帮助。在此感谢
刘满芝教授、王华清老师、卜华老师的指导和帮助；感谢中国矿业大学管理学院
老师们的指导和帮助，在此表示深深地感谢，没有他们的帮助和指导是没有办法
完成我的硕士学位论文的，愿师生友谊长存。

摘要
近年来，随着普惠金融范围不断扩张，普惠金融类客户经营不规范、抗风险
能力弱的共性问题逐渐凸显，信贷风险不断出现。Z银行现行信贷风险评级标准
对普惠类客户的不适性逐渐显现，同时受到利率上浮空间及中间业务收入限制，
导致 Z银行在当地普惠金融信贷投放弱、风险管控难。由此对普惠金融信贷风险
管控加以重视，提高管控水平，确保商业银行政策性金融产品能够更好的为普惠
金融服务显得极其重要。
在本文中以政策为基础，以市二级分行为立足点，并借助于包括文献分析法、
层次分析法在内的多种研究方法，以银行业信用风险管理存在的问题入手，以 Z
银行为例，首先对贷款业务、贷款风险和普惠金融贷款风险的特征进行界定；然
后阐述了贷款风险管理理论和贷款风险管理理论等理论研究以及 Z银行的贷款
业务经营现状和贷款风险评价现状，并详细地分析了该行对普惠金融贷款风险的
评价方面存在的问题；最后针对问题，提出重构 Z银行普惠金融贷款风险评价指
标体系：再将重新构建的指标体系及其权重在 Z银行对普惠金融 S公司贷款风
险进行评价运用；最后提出适用于普惠金融类客户风险评价指标方面的优化建
议，并从服务创新、大数据应用及法律风险防控三个方面提出优化实施保障的建
议。
本文在查阅相关资料及大量数据调查研究后，对现行风险评价应用机制进行
了细致的探讨，并提出了优化方案，使之具有更强的可行性，使得风险评价机制
对普惠类贷款的普适性更高，为商业银行实施普惠类贷款风险评价改革提供了有
效参考价值。
关键词：普惠金融；信贷风险；准入机制；风险度量；机制优化
I

Abstract
In recent years, the national policy attaches great importance to creating a good
environment for commercial banks to carry out inclusive financial business and
support small and micro enterprises. With the deepening of the concept of Inclusive
Finance, the common problems of non-standard access evaluation mechanism and
weak anti risk ability of small and micro enterprises are gradually highlighted, and the
credit risk is constantly exposed.
In this thesis, based on policy, and the secondary branch of the city, and with the
help of a variety of research methods including literature analysis and analytic
hierarchy As an example, it first defines the characteristics of loan business, loan risk
and inclusive finance loan risk; then it explains theoretical research on loan risk
management theory and loan risk management theory, as well as the current status of
loan business operation and loan risk evaluation of Bank Z. It also analyzed in detail
the problems in the bank’s evaluation of inclusive financial loan risks; finally, in
response to the problem, proposed to restructure the Z Bank’s inclusive financial loan
risk evaluation index system: then re-construct the index system and its weight in Z
The bank evaluates and uses the loan risk of Inclusive Finance Company D; finally, it
proposes optimization suggestions for the risk evaluation indicators of inclusive
financial customers, and proposes optimized implementation guarantees from three
aspects: service innovation, big data application, and legal risk prevention and control
Suggestions.
After consulting relevant information and a large amount of data investigation
and research, this thesis has carried out a detailed discussion on the current risk
evaluation application mechanism, and proposed an optimization plan to make it more
feasible, making the risk evaluation mechanism more popular for inclusive loans. It is
more adaptable and provides effective reference value for commercial banks to
implement inclusive loan risk evaluation reform.
Keywords: inclusive finance; credit risk; access mechanism; risk measurement;
mechanism optimzation
II
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