专业学位硕士学位论文
S 银行小微企业信贷风险管理研究
Research on Credit Risk Management of Small and Micro
Enterprises in S Bank
作 者 姓 名： 孟璇
学科、 专业： 工商管理
学 号： 41911647
指 导 教 师： 迟国泰
完 成 日 期： 2021 年 11 月 25 日
大连理工大学
Dalian University of Technology
大连理工大学学位论文独创性声明
作者郑重声明：所呈交的学位论文， 是本人在导师的指导下进行研究
工作所取得的成果。尽我所知，除文 中已经注明引用内容和致谢的地方外，
本论文不包含其他个人或集体已经发表的研究成果，也不包含其他已申请
学位或其他用途使用过的成果。与我一同工作的同志对本研究所做的贡献
均已在论文中做了明确的说明并表示了谢意。
若有不实之处，本人愿意承担相关法律责任。
学位论文题目： S 银行小微企业信贷风险管理研究
作 者 签 名 ：日期： 2021 年 11 月 25 日
大连理工大学专业学位硕士学位论文
摘 要
近年来，实体经济逐步下行，加之新冠疫情的影响，全国小微企业普遍受到冲击。
小微企业在全国企业中占据九成，为我国经济发展做出了重要贡献，使得政府越来越重
视对小微企业的扶持，但是小微企业内部存在的经营不规范、信息披露不完整和信用意
识淡薄等问题使得小微企业融资困难和银行资金得不到释放。S 银行作为一家城市商业
银行，面对小微企业扶持工作存在着较大压力。近年来快速推进小微信贷业务投放，风
险管理逐渐宽松，不良贷款逐渐增多，风险管理问题逐渐暴露。
本文围绕地方性银行小微企业信贷风险管理问题，以S 银行为例，在相关文献资料
和理论基础上，首先，阐述 S 银行小微企业信贷风险管理的现状，发现小微企业信贷风
险存在管理问题，主要体现在：审批制度不完备、业务办理效率不高、金融产品投放单
一、业务违约风险加大四个方面。其次，分析风险管理问题的成因，主要体现在：小微
信贷业务审批材料要求过于复杂，审批环节信息不对称；专职信审人员严重缺乏，小微
人才队伍建设落后，道德风险重视度不够；小微信贷产品创新性不足，业务设计不实用；
贷后管理流于形式，风险管理模式不完备。
本文针对S 银行在小微企业信贷风险管理中存在的不足，分别从以下四个方面提出
了风险管理策略：一是简化小微企业调查报告、财务审计报告等审批材料；合理区分授
信与提款的审批材料；在总行审批流程增加预审会议环节弥补信息不对称。二是增加信
审人员配置，缩短审批时间；通过人才招聘、常态化培训与测试管理，提升员工专业能
力；建立完善的绩效管理，包含实行穿透式奖励、道德风险零容忍及尽职免责管理。三
是利用推动弱抵押担保贷款、推出小额短周期的小微信贷产品的方法，提升小微产品创
新性；通过研发线上审批系统与合理利率定价，强化小微产品实用性。四是加强贷后管
理中经办人员与总行管理人员的重视程度，提升贷后管理执行力；建立从基层到各管理
单位的贷款风险预警体系；落实风险管控责任，将整个信贷的事前、事中及事后纳入到
风险管控内，使每个模块独立且相互制衡。为 S 银行小微企业信贷业务风险管理和控制
提供一定借鉴意义。
关键词：城市商业银行；信贷；小微企业贷款；风险管理
- I - S 银行小微企业信贷风险管理研究
Research on Credit Risk Management of Small and Micro Enterprises in S
Bank
Abstract
In recent years, as the real economy is gradually declining, and influenced by COVID-19,
small and micro enterprises in China were generally impacted. Small and micro enterprises
account for 90% of national enterprises and have made important contributions to China;s
economic development. This makes the government pay more and more attention to the support
of small and micro enterprises. However, the internal problems of small and micro enterprises,
such as non-standard operation, incomplete information disclosure and weak credit awareness,
make it difficult for small and micro enterprises to finance and bank funds can not be released.
As a city commercial bank, there is great pressure on supporting small and micro enterprises. In
recent years, the rapid promotion of small and micro credit business has led to the gradual
increase of non-performing loans and the gradual exposure of risk management problems.
This thesis focuses on the credit risk management of small and micro enterprises in local
banks. Taking S bank as an example, based on relevant literature and theories, firstly, the
current situation of credit risk management of small and micro enterprises of S bank is
elaborated, and it is found that there are problems in credit risk management of small and micro
enterprises, the main problems are: incomplete examination and approval system, business
handling efficiency is not high, single launch of financial products, increased risk of business
default. Secondly, the causes of risk management problems are analyzed. The causes mainly
include the requirements for approval materials of small and micro credit business are too
complex, and the information in the approval process is asymmetric; There is a serious shortage
of full-time credit audit personnel, the construction of small and micro talent team is backward,
and insufficient attention is paid to moral hazard; The innovation of small and micro credit
products is insufficient, and the business design is not practical; And post loan management is a
mere formality, and the risk management model is incomplete.
Aiming at the shortcomings of S Bank in credit risk management of small and micro
enterprises, this thesis puts forward risk management strategies from the following four
aspects:
(1) It is proposed to simplify the approval materials such as investigation reports and
financial audit reports of small and micro enterprises; To reasonably distinguish the approval
materials of credit extension and withdrawal; And To add pre-trial meeting in the approval
process of the head office to make up for information asymmetry.
- II - 大连理工大学专业学位硕士学位论文
(2) It is proposed to increase the staffing of credit audit personnel and shorten the approval
time; Improve the professional ability of employees through talent recruitment, normalized
training and test management; To establish sound performance management, including
penetrating reward, zero tolerance of moral hazard and due diligence exemption management.
(3) Using the methods of promoting weak mortgage guarantee loans and encouraging the
handling of small and micro credit business with small account and multiple frequencies, the
innovation of small and micro products will be improved. Through the research and
development of online system and reasonable interest rate pricing, the practicability of small
and micro products will be improved.
(4) It is suggested to strengthen the attention of handling personnel and head office
management personnel in post loan management, and improve the execution of post loan
management; To establish a loan risk early warning system from the grass-roots level to all
management units; And To implement the responsibility of risk control, through bringing the
pre loan, in loan and post loan stages of the whole credit process into the risk control, so that
each module is independent and checks and balances with each other. It provides some
reference for the risk management and control of small and micro enterprise credit business of
S bank.
Key Words ： City Commercial Bank; Small and Micro Business Loans; Risk
Management; Credit and Loan
- III -