重庆师范大学硕士学位论文
中文摘要
商业银行小微企业信贷业务风险防范研究
——以NS银行为例
摘 要
小微企业近年来的发展速度非常快，国家在鼓励创新创业过程中，对小微
企业的成长与发展给予了有力的支持，而作为“回报”，小微企业也确实为增
加就业、优化产业结构、加速科技创新等方面，作出了重要的贡献。去年疫情
发生以来，国家更是加大力度解决小微企业融资难问题，对于各类商业银行也
出台了在央行指导下的金融扶持政策，鼓励商业银行研发针对小微企业的信贷
产品，扩大对小微企业的授信规模。但是小微企业本身具有发展不稳定、经营
实力较弱、抗风险能力较差的劣势，所以面对疫情冲击，以及宏观经济环境和
行业萎靡的影响，一部分小微企业贷款客户确实成为不良贷款的源头，这也就
引发了本文所探讨的问题。
本文结合最新的风险管理政策和经济发展趋势，采用风险管理等系列理论
来重点研究小微企业信贷的风险表现、规律特征以及面临的新问题等，以 NS
银行作为案例银行，借助行内调查和官方网站数据，分析了该行 2020年推出的
小微企业信贷产品以及信贷业务开展情况，进一步探讨了存在的风险防范问题；
借助层次分析法和模糊综合评价法，构建完善了 NS银行的小微企业风险防范
指标体系，并以案例企业数据为例，进行了模糊综合评价条评分。
经过研究发现，NS银行在小微企业信贷风险管理方面，还存在一定的问题，
比如信贷风险防控人员的经验、素质不够高，对冲风险的操作手段有限，对风
险进行科学计量的模型工具较为缺乏，也比较滞后等等。基于上述问题，研究
提出要进一步健全 NS银行小微企业信贷风险防控机制，有针对性地优化小微
企业信贷风险防控流程，使用大数据等技术工具，提升风险识别和风险预警的
能力和效果，同时，借助培训等手段，提升风险防控人员的素质能力等。为了
给 NS银行小微企业信贷风险防控提供可借鉴的评价参考，本文使用模糊层次
分析法，构建了囊括 44个指标的小微企业信贷风险评价指标体系，并设置了合
理的权重；运用该指标体系，结合一家案例企业的实际数据，进行了风险评价
计算，结果显示，虽然大部分评价结果和 NS银行原评价结果保持一致，但在
竞争力评价、成长性评价等方面也得出了不同的结论。研究表明，建构科学的、
动态的小微企业风险评价模型，对于提高信贷风险评价效果而言是有必要的，
也是有效的。
关键词：小微企业，信贷风险，风险管理，模糊综合评价法
I

重庆师范大学硕士学位论文
英文摘要
Research on risk prevention of credit business of small and
micro enterprises of commercial banks
-- Take NS Bank as an example
Abstract
In recent years, the development speed of small and micro enterprises is very fast.
In the process of encouraging innovation and entrepreneurship, the state has given
strong support to the growth and development of small and micro enterprises. As a
"return", small and micro enterprises have indeed made important contributions to
increasing employment, optimizing industrial structure and accelerating scientific and
technological innovation.Since the outbreak of the epidemic last year, the state has
intensified efforts to solve the financing difficulties of small and micro enterprises.
For all kinds of commercial banks, financial support policies under the guidance of
the central bank have also been introduced to encourage commercial banks to develop
credit products for small and micro enterprises and expand the credit scale for small
and micro enterprises.However, small and micro enterprises themselves have the
disadvantages of unstable development, weak business strength and poor anti-risk
ability. Therefore, in the face of the impact of the epidemic, as well as the impact of
the macroeconomic environment and the industry depression, some small and micro
enterprises' loan customers have indeed become the source of non-performing loans,
which leads to the problems discussed in this paper.
Combining with the latest risk management policy and economic development
trend, use the series such as risk management theory to focus on small micro
enterprise credit risk performance and characteristics as well as the new problems
facing the law, with NS Banks as a case, using inline survey data and official website,
analyzes the bank launched in 2020, small micro enterprise credit products and credit
business situation, further discusses the problems of risk prevention;With the analytic
hierarchy process (AHP) and fuzzy comprehensive evaluation method, the risk
prevention index system of NS Bank's small and micro enterprises is constructed and
improved. Taking the case enterprise data as an example, the fuzzy comprehensive
evaluation strip is scored.
II

重庆师范大学硕士学位论文
英文摘要
Through the study, it is found that NS Bank still has some problems in the credit
risk management of small and micro enterprises, such as the experience and quality of
credit risk prevention and control personnel is not high enough, the operation means
of hedging risks is limited, and the model tools for scientific measurement of risks are
relatively lacking and lagging behind.Based on the above problems, to study and put
forward to further improve NS bank small micro enterprise credit risk control
mechanism, a targeted optimize small micro enterprise credit risk prevention and
control process, use technology tools, such as the big data, improve the ability and
effect of risk identification and risk early warning, at the same time, with the help of
training, improve the quality of risk prevention and control ability, etc.In order to
provide a reference for NS Bank's credit risk prevention and control of small and
micro enterprises, this paper uses fuzzy analytic hierarchy process to construct a
credit risk evaluation index system of small and micro enterprises that includes 44
indicators, and sets a reasonable weight.By using this index system and combining
with the actual data of a case enterprise, the risk evaluation calculation is carried out.
The results show that, although most of the evaluation results are consistent with the
original evaluation results of NS Bank, different conclusions are also drawn in terms
of competitiveness evaluation and growth evaluation.The research shows that it is
necessary and effective to construct a scientific and dynamic risk evaluation model for
small and micro enterprises to improve the effect of credit risk evaluation.
Key words： small and micro enterprises， credit， risk management， fuzzy
comprehensive evaluation method
III
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