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论文作者（签名）：
2021年 12月 15日
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徽商银行B分行小微企业信贷风险管理研究
摘要
随着我国对小微企业的全方位扶持，小微企业的注册数量迅速增长，小微企业
以其独特的形式在我国的经济发展中起着至关重要的作用。不仅保障和改善了民生，
扩大了就业的渠道，还陪养了很多企业家，提高了国民素质，也是国家经济活力源
泉，为社会的稳定发展起到了不可忽视的作用。但是小微企业的发展也有很多局限
性，一方面受限于自身的经营规模以及内部管理缺陷，另一方面是流动资金不足、
融资困难。
商业银行作为我国金融体系中最有利的支柱，不仅担当着支撑经济发展的重要
责任，也是众多小微企业融资来源的主力军。但是由于小微企业的特殊性，以及缺
乏担保措施、保证单位等风险缓释措施，使得商业银行不良贷款率出现攀升，徽商
银行 B分行面临着同样的问题，由于客户经理贷前调查规范性不足，审批人员贷中
审核不严以及贷后管理重形式轻本质等问题使得徽商银行 B分行小微企业信贷风险
管理存在一定的不足。
本文主要从徽商银行 B分行小微企业信贷风险管理为出发点，运用综合分析法、
理论分析法等方法对该分行小微企业信贷风险管理进行分析。在 B分行所在区域的
经济金融发展的基础上实地调研，多角度分析 B分行小微企业信贷风险管理存在的
问题。最后，从加强贷前审查、重视贷中过程管理、强化贷后管理等方面优化 B分
行小微企业信贷风险管理，提高 B分行小微企业信贷风险管理水平，提升 B分行小
微企业信贷质量，促进 B分行小微企业信贷业务健康稳健发展。
关键词：小微企业；信贷风险；风险管理
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ABSTRACT
ABSTRACT
With China's all-round support for small and micro enterprises, the number of small
and micro enterprises registered rapidly increases, small and micro enterprises in its unique
form in China's economic development plays a crucial role. It has not only expanded
employment channels, but also supported many entrepreneurs. It plays an important role
for the stable development of society. However, the development of small and micro
enterprises also has many limitations. On the one hand, they are limited by their own
operation scale and internal management defects, and on the other hand, they have
insufficient working capital and financing difficulties.
As the most favorable pillar of China's financial system, commercial banks play an
important role in supporting economic development, while serve as the main source of
financing for many small and micro enterprises. Due to the small and micro enterprises
lack of risk mitigation measures such as guarantee measures and guarantee units, the non-
performing loan ratio of commercial banks rises. Huishang Bank B Branch faces the same
problem. Due to the insufficient standardization of pre-loan investigation by customer
managers, the lax review of the loan by the examiners and the problems of post-loan
management focusing on the form rather than the essence make the credit risk management
of small and micro enterprises in B Branch of Huishang Bank have certain deficiencies.
Starting from the credit risk management of small and micro enterprises of B
Branch of Huishang Bank, this paper analyzes the credit risk management of small and
micro enterprises of this branch by using comprehensive analysis method, theoretical
analysis method and other methods. Based on the economic and financial development of
the region where B Branch is located, field research is conducted to analyze the problems
existing in credit risk management of small and micro enterprises of B Branch from
multiple perspectives. Finally, the credit risk management of small and micro enterprises in
B branch should be optimized from the aspects of strengthening pre-loan review, attaching
importance to in-loan process management and strengthening post-loan management, so as
to improve the credit risk management level of small and micro enterprises in B Branch,
improve the credit quality of small and micro enterprises in B Branch, and promote the
healthy and steady development of credit business of small and micro enterprises in B
Branch.
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