摘要
摘 要
自 2018年以来，我国不断加大扶持小微企业力度，对此更是先后出台相应
系列政策措施，从政策层面上予以支持。受此推动影响，央行、银监会和各商业
银行普遍高度重视小微企业并予以信贷支持。经济发展新常态下， C银行洛阳分
行大力拓展普惠金融业务，深耕小微企业普惠市场，与小微企业共享“新金融”
甘露。但是，小微企业自身的特点为其融资造成了困难，商业银行方面也存在着
较大的信贷风险。如何精准、有效地识别小微企业信贷业务过程中产生的风险，
并对其进行管理、控制与规避，成为了商业银行信贷风险管理部门亟待解决的问
题。
本文结合研究需要选择 C银行洛阳分行作为研究对象，致力于研究该分行
的信贷风险管理问题，主体为小微企业。具体研究过程来说，首先对 C银行洛
阳分行信贷业务现状进行调查、归纳，随后对其风险进行识别。通过收集专家调
查问卷及调阅报表，识别出借款人还款意愿、借款人还款能力、贷款人内部因素、
市场风险等方面信贷风险。然后，采用定性与定量相结合的分析方法以及 AHP
层次分析法对该行小微企业信贷业务风险进行评价；对一级指标、二级指标得分
进行排序，得到对总体指标结果影响较大的风险因素。研究结果显示： C银行洛
阳分行小微企业信贷业务整体信贷风险评价结果是 3.9742，潜在风险偏大；其中，
借款人还款意愿、政策指导、国家产业政策、行业集中等二级指标得分对评价结
果影响较大。最后根据以上数据统计分析的结果，对 C银行洛阳分行从“加强
对贷款主体的调查”、“制定更加完善的商业银行信贷政策”、“注重市场风险
管理”三方面展开了论述，针对上述影响较大的二级指标提出了信贷风险控制策
略。
关 键 词：小微企业；风险管理；风险识别； AHP层次分析法
论文类型：应用类
选题来源：其他
I

ABSTRACT
ABSTRACT
Since 2018, our country improve continuously more efforts for assisting small
and micro enterprise and introduce a series of relative policies, offer supports from
policy level. Driven by this effect, the Central Bank, the China Banking Regulatory
Commission and commercial banks generally attach great importance to small and
micro enterprises and offer credit supports. under the new normalcy of economic
development, Luoyang branch of C bank vigorously extend inclusive finance business,
deep in inclusive finance market and share benefit of ‘new finance’ with small and
micro enterprises. But small and micro enterprises have difficulties of financing and
increase big credit risk on commercial bank. Identify precisely and efficiently, manage,
control and avoid credit risk on credit service of small and micro enterprises is a
problem that Credit risk management section of commercial bank.
Based on the research needs, this paper chooses C bank of Luoyang branch as
research object, and focus on the credit management problem of this branch bank, with
small and micro enterprises as main body. For the specific research process, firstly,
research and summarized the status of credit business of Luoyang bank then identify
the consequent risks. Identify the credits risks of borrower repayment willingness,
borrower repayment ability, lender internal factors, market risks and other aspects
through collection of export questionnaires and consulting report. Second, adopt
qualitative and quantitative analysis method and AHP to evaluate the credit risks of
small and micro enterprises, rank the scores of first-level indicators and second-level
indicators to get the risk factory which have a greater impact on the overall index
results. Shown on research results, the overall credit risk evaluation result of small and
micro enterprise credit business of C bank of Luoyang branch is 3.9742 that have high
potential risk, among them, the borrower repayment intention, policy guidance,
national industrial policy, industrial concentration ratio and other second-level
indicators have a greater impact on the evaluation results, Finally, based on above the
result of statistical analysis of the data, expound three aspects from ‘strengthening
the investigation of loan subjects’ , ‘formulating more perfect commercial bank
credit policies’ and ‘paying attention to market risk management for C bank of
Luoyang branch and present credit risk control strategy in view of the above
influential second-level indexes.
III

ABSTRACT
KEY WORDS: Small and microenterprises ； Risk management ； Risk
idenitification；AHP analytic hierarchy process
Dissertation type: Application class
Subject source: Other
IV
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