论我国商业银行小微企业信贷风险控制

我国银行对小微企业的信贷风险控制普遍存在着信贷风险评估建设滞后、贷款类型单一、贷款审查制度欠规范、缺乏针对小微贷款风险控制机制等问题,主要是由于信息不对称、微型贷款的成本较高、银行缺乏信贷风险控制思想、小微企业自身的内部控制不健全等原因所造成的。针对小微企业不同的信贷风险类型,运用各种风险防范手段,严格控制小微企业信贷业务流程的创新优化思路,并从经营管理思路、贷款营销、贷前调查、贷款审查、贷款审批、贷后管理方面提出了科学可行的对策。本文对小微企业信贷风险控制进行了系统深入的研究,力求对我国商业银行未来小微贷款的发展起到一定的指导作用,对其他银行发展小微企业贷款也具有借鉴意义。

On China commercial band small enterprise credit control restriction

China’s commercial banks credit risk control system for small and micro enterprises still exist delayed construction of credit risk assessment,a single type of loan,non-standard loans censorship,unreasonable restraint and incentive mechanisms and other issues.These problems are mainly caused by information asymmetry,the higher cost of micro-loans,absent bank credit risk control thought,lack of internal control of small and micro enterprises.I put forward innovation and optimization ideas.full control of the credit risk of small and micro enterprises,different type of credit risk,the use of various means of risk prevention,strict control of small micro-enterprise credit business process.Then I pose scientific and feasible countermeasures from management ideas,loan marketing,loan before the survey,loan review,loan approval to post-loan management aspects.I deeply study the credit risk of small and micro enterprises of one of China’s commercial bank.It not only provides guidance for China’s bank of the development of small micro-loans but also for other commercial banks.