摘要
摘要
近几年，面对全球新冠疫情的冲击和复杂多变的国内外经济形势，小微企业
的经营步履维艰，融资渠道少、融资成本高的问题日益突显。在流动资金较少的
情况下，小微企业将银行贷款作为主要融资渠道。 G银行 LY分行积极贯彻落实
国家“六稳”、“六保”和稳经济大盘政策导向，通过减费让利、简化贷款流程
及降低准入门槛，全面加强对小微企业的信贷业务支持。但是，由于小微企业信
贷业务在我国起步较晚，小微企业规模小、自身抗风险能力低，国内银行面临着
极大的小微企业信贷风险。伴随着新冠疫情持续反复和“停工断贷”情况蔓延，
全球经济持续低迷，内外部的压力导致小微企业信贷风险管理难度进一步加大，
不良贷款额和不良贷款率持续上升。
基于此背景，本文在借鉴现有文献和研究成果的基础上，对 G银行 LY分行
的小微企业信贷风险问题进行研究。首先，通过文献研究法和访谈法归纳出G
银行 LY分行小微企业信贷存在的四大类16项风险因素，对该行信贷从业人员
进行问卷调查确定风险因素，对 G银行 LY分行的小微企业信贷风险进行风险识
别，并确定小微企业信贷风险评价指标体系。其次，运用层次分析法和模糊综合
评价法对 G银行 LY分行小微企业信贷风险进行评价。评价结果显示G银行LY
分行综合评价得分为 75.64分，风险评价等级为“一般风险”，存在一定的信贷
管理风险。根据风险评价结果得出 G银行 LY分行小微企业信贷风险问题为：信
贷审批流程不优、风险识别能力弱、考核激励机制不科学、内控制度不完善和受
内外部环境影响较大。最后，提出风险管控对策建议：一是强化风险识别和预警
能力；二是优化信贷业务风险管理流程；三是建立科学的考核激励机制；四是加
强信贷人员管理及合规文化建设；五是强化对国内外经济政策的分析和应对。提
升 G银行 LY分行小微企业信贷风险管理水平，促进 G银行 LY分行小微企业信
贷业务发展。
关键词：小微企业；信贷风险管理；层次分析法；模糊综合评价法
论文类型：应用类
选题来源：其他
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ABSTRACT
ABSTRACT
A wide range of micro and small enterprises are facing the threats caused by the
COVID-19 pandemic and operated their business in the complex and volatile global
and domestic economic environment in recent years. The challenges of few fund
sources and high financing costs have been increasingly highlighted. In this case, bank
lending becomes the major source of financing for micro and small enterprises due to a
lack of liquid funds. As the nation-owned bank, Bank G LY Branch implements the
national economic policy, which ensures stability on the six fronts and security in the
six areas, to achieve steady economic momentum. By decreasing fees and interest,
lowering entry barriers, and simplifying the loan process, Bank G LY Branch launches
a series of online and offline financing products to strengthen credit business support
for micro and small enterprises. However, due to the late start of the credit business of
micro and small enterprises in China, small business scale, and low risk resistance of
micro and small enterprises, there are still defects in credit risk management and
institutional procedure of Bank G LY Branch. Meanwhile, with the recurrent outbreaks
of COVID-19 and the emergence of "suspension of work and loans", the global
economy is experiencing a pronounced slowdown, which further increases the risks of
credit business of micro and small enterprises, the amount and the ratio of non-
performing loans. Therefore, it is necessary for Bank G LY Branch to strengthen the
credit risk management of micro and small enterprises.
The present research focuses on the credit business of micro and small enterprises
of Bank G LY Branch and investigates credit risks based on detailed literature and
previous research findings. First of all, the author summarized 16 types of risk factors
allocated into four main categories by reviewing the literature and conducting in-depth
interviews. Using data gathered from a survey of credit staff working in Bank G LY
Branch, the author constructed a risk assessment model. Then, the analytic hierarchy
evaluation method and fuzzy comprehensive evaluation method were applied to assess
the credit risk of micro and small enterprises. The overall score of Bank G LY Branch
is 75.64, which indicates a medium-high level of credit risk, and the major credit
management risks include operation procedure, the validity and reliability of loan
materials, compliance policy, borrowers’ qualification and credit rating, reward policy
and the influence of national and international economic policy, in which the risk
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ABSTRACT
assessment scores are relatively high. Last but not least, the author proposed some
suggestions in terms of micro and small enterprise credit business risk management
based on the research findings. Firstly, banks should strengthen their ability to risk
identification and capability of early warning. Secondly, banks should optimize the
risk management procedure of the credit business. Thirdly, it is essential to develop an
effective reward policy. Fourthly, the bank management team should pay attention to
credit staff management and reinforce the culture of compliance. Finally, banks should
improve their analysis ability to cope with the changes in international and domestic
economies. These suggestions can improve risk management of micro and small
enterprise credit businesses and contribute to the development of the credit business of
Bank G LY Branch.
KEY WORDS: Small and micro enterprises; Credit risk management
Analytic hierarchy process；Fuzzy comprehensive evaluation method
Dissertation type: Application
Subject source: Other
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