摘 要
目前，在各级政府及各地监管部门的积极推动和倡导下，包括国有商业银行、股份制银行、城商行等在内的各类金融机构均在致力于发展小微企业贷款业务，但由于小微企业与生俱来存在 “逆向选择”和“道德风险”等特征，容易造成银行对小微企业贷款投入与产出比的失衡。上述问题困扰着各家商业银行，也促使商业银行在拓展小微企业贷款的过程中不断地探求和摸索，以期走出一条符合各自风险偏好的发展之路。本文就 XX 银行杭州市分行小微企业贷款风险控制策略为研究对象，结合地区经济特色，通过分析现实状况、引出存在困难、提出控制策略、指出发展方向。
本文首先介绍了小微企业贷款风险控制策略的研究背景与意义、研究内容与方法；进而借鉴部分小微企业贷款风险控制的相关概念及理论，包括小微企业及其贷款相关概念、商业银行小微企业贷款风险控制相关理论；其后阐述 XX 银行杭州市分行小微企业贷款风险控制现状，即小微企业贷款的总体运行情况、存在的主要风险状况、目前采取的主要风险控制策略；在基于上述现状的前提下本文对 XX 银行杭州市分行小微企业贷款风险控制策略的缺陷进行了分析，包括小微企业贷款产品的缺陷分析、客户与业务准入环节的缺陷分析、贷款调查和审批过程的缺陷分析、贷后管理环节的缺陷分析和风险控制流程设置的缺陷分析；最后结合部分国内外商业银行小微企业贷款风险控制策略，本文提出了完善 XX 银行杭州市分行小微企业贷款风险控制策略的方法和手段。
关键词：小微企业，贷款风险，控制策略
Abstract
At present, all levels of government and regulatory authorities around the activepromotion and advocacy, various financial institutions, including state-owned commercialbanks, joint-stock banks, city commercial banks, etc., are committed to the development ofsmall and micro enterprises in the loan business, but due to the small and micro enterpriseinherent existence "adverse selection" and "moral hazard" feature, likely to cause the bank ofsmall micro-enterprise loans input and output ratio imbalance. The above problems plaguingcommercial banks, commercial banks also contributed to continuously explore and grope inthe expansion of small and micro business loans in the process, in order to embark on adevelopment path in line with their risk appetite. This article XX Bank Hangzhou Branch ofsmall micro-enterprise loan risk control strategies for the study, combined with the economiccharacteristics of the region, through the analysis of reality, leads to difficulties, controlstrategy, pointing out the direction of development.
This paper first introduces the research background and significance of small and microbusiness loan risk control strategies , content and methods ; thus draws on the relatedconcepts and theoretical basis of some small micro-enterprise loan risk control , includingloans to small and micro enterprises and their related concepts , a small commercial banktheory of micro-enterprise loan risk control ; subsequently elaborated XX Bank HangzhouBranch of small micro-enterprise loan risk control status quo, that the overall operation ofsmall micro- enterprise loans , there is a major risk situation , the main risk being takencontrol strategies ; in were analyzed based on the XX Bank Hangzhou Branch of smallmicro-enterprise loan risk control strategies herein above the status quo under the premise ofdefects , including small and micro enterprise loan product defect analysis , customer andbusiness access links defect analysis , investigation and approval of loans defects in theprocess of analysis , loan management aspects of the defect analysis and risk controlprocesses set defect analysis ; Finally, some domestic and foreign commercial banks to smalland micro business loan risk control strategy , this paper presents the improvement of XXBank Hangzhou Branch of small and micro enterprises methods and means of loan riskcontrol strategy.
Keywords:Small and micro enterprises, credit risk, control strategy
目 录
第 1 章 绪论
1.1 研究背景与意义
1.1.1 小微企业在我国国民经济中的地位和现状
1.1.2 小微企业贷款在商业银行发展中的作用与现状
1.2 研究内容与方法
第 2 章 相关概念及理论
2.1 小微企业及其贷款的相关概念
2.1.1 小微企业的定义
2.1.2 小微企业的特征
2.1.3 小微企业贷款的概念
2.1.4 小微企业贷款的特征
2.2 商业银行小微企业贷款风险控制的相关理论
2.2.1 麦克米伦缺陷理论
2.2.2 均衡信贷配给理论
2.2.3 关系型贷款理论
2.2.4 信息不对称理论
第 3 章 XX 银行杭州市分行小微企业贷款风险控制现状
3.1 小微企业贷款的总体运行情况
3.2 小微企业贷款存在的风险状况
3.3 目前采取的主要风险控制策略
3.3.1 运用小微企业特色的贷款产品
3.3.2 构建小微客户与业务准入标准
3.3.3 注重小微企业贷款调查与审批
4 章 XX 银行杭州市分行小微企业贷款风险控制策略缺陷分析
4.1 小微企业贷款产品的缺陷分析
4.2 客户与业务准入环节缺陷分析
4.3 贷款调查和审批环节缺陷分析
4.3.1 贷款调查审查环节
4.3.2 担保能力认定环节
4.4 贷款贷后管理环节的缺陷分析
4.5 风险控制流程设置的缺陷分析
第 5 章 完善 XX 银行杭州市分行小微企业贷款风险控制的策略
5.1 部分国内外商业银行小微企业贷款风险控制策略
5.2 完善小微企业贷款风险控制策略的方法和手段
5.2.1 小微贷款产品的提升与完善
5.2.2 贷款准入标准的深化与明确
5.2.3 调查审批环节的规范与优化
5.2.4 贷后管理模式的改造与创新
5.2.5 风险控制流程的配置与调整
5.2.6 资产保全措施的改进与运用
第 6 章 结论
参考文献
致谢
