本人完全了解西北大学关于收集、保存、使用学位论文的规定。学校
有权保留并向国家有关部门或机构送交论文的复印件和电子版。本人允许
论文被查阅和借阅。本人授权西北大学可以将本学位论文的全部或部分内
容编入有关数据库进行检索，可以采用影印、缩印或扫描等复制手段保存
和汇编本学位论文。同时授权中国科学技术信息研究所等机构将本学位论
文收录到《中国学位论文全文数据库》或其它相关数据库。
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西北大学学位论文独创性声明
本人声明：所呈交的学位论文是本人在导师指导下进行的研究工作及
取得的研究成果。据我所知，除了文中特别加以标注和致谢的地方外，本
论文不包含其他人已经发表或撰写过的研究成果，也不包含为获得西北大
学或其它教育机构的学位或证书而使用过的材料。与我一同工作的同志对
本研究所做的任何贡献均已在论文中作了明确的说明并表示谢意。
学位论文作者签名：
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摘要
摘要
2020年以来，受新冠病毒袭击的影响，全球经济增长和发展的压力不断增强，国内
金融市场风险因素持续增加。做好政策性金融支持小微企业工作，助力国内市场稳产保
供，确保涉农小微企业稳定发展的重要性与日俱增。面对当前复杂多变的经济形势，A
银行陕西分行小微信贷业务面临着前所未有的风险防控压力。
基于上述的经济环境与银行实际情况，本文主要结合国内外有关小微企业信贷理论
和全面风险管理的研究成果，全文对 A银行陕西分行小微信贷业务风险防控工作进行改
进研究。以“识别小微信贷业务风险、评估小微信贷业务风险、防范小微信贷业务风险”
的主体结构，首先运用定性分析、定量分析、建立风险矩阵等方法，识别 A银行陕西分
行小微信贷业务存在的信用风险等四类风险，并评估其对应风险等级；其次，分析找出
目前 A银行陕西分行小微信贷业务风险防控工作中存在的主要问题，包括信贷管理体
系、专业人才配备、风险监控管理等三个方面的主要问题；再次，分析 A银行陕西分行
小微信贷业务存在问题的主要形成因素，即配套政策体系、市场环境因素、银行内部机
制和企业自身的条件；最后针对以上风险提出相应改进和完善方案，通过小微企业信贷
管理制度的优化、加大小微信贷业务人才培养、建立小微企业监测管理系统等改进措施，
抵御和防范已识别的四类风险，助力 A银行陕西分行小微信贷业务蓬勃发展。
关键词：A银行陕西分行，小微企业，风险防控工作改进
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西北大学硕士学位论文
ABSTRACT
Since 2020, due to the impact of the novel coronavirus attack, the global economic growth
and development pressure has been increasing, and the risk factors in the domestic financial
markets have continued to increase.We will do a good job in policy-based financial support
for small and micro businesses and enterprises, help stabilize production and supply in the
domestic market, and ensure the stable development of small and micro businesses related to
agriculture and rural areas.In the face of the current complex and changeable economic
situation, the small and micro credit business of Bank of A Shaanxi Branch is facing
unprecedented pressure of risk prevention and control.
Based on the above economic environment and the actual situation of the bank, this paper
mainly combines the research results of the credit theory and comprehensive risk management
of small and micro enterprises at home and abroad, and improves the risk prevention and
control work of the small and micro credit business of Bank of A Shaanxi Branch.With the
main structure of "identifying small and micro credit business risks, assessing small and micro
credit business risks, and preventing small and micro credit business risks", First, qualitative
analysis, quantitative analysis, risk matrix and other methods, Identify four types of risks,
such as the credit risk existing in the small and micro credit business of Bank of A Shaanxi
Branch, And evaluate its corresponding risk level; next, Analyze and find out the main
problems existing in the current risk prevention and control work of small and micro credit
business of Bank of A Shaanxi Branch, Including credit management system, professional
personnel allocation, risk monitoring and management and other three aspects of the main
problems; once more, Analyze the main formation factors of the problems in the small and
micro credit business of Bank of A Shaanxi Branch, That is, supporting policy system, market
environment factors, internal bank mechanism and the conditions of the enterprise itself;
Finally, the corresponding improvement and improvement scheme for the above risks,
Through the optimization of the credit management system of small and micro enterprises, the
increase of the training of small and micro credit business talents, and the establishment of a
monitoring and management system for small and micro enterprises, Preventing and prevent
four types of identified risks, Help Bank A Shaanxi Branch of small and micro credit business
to develop vigorously.
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