建设银行沈阳分行小微企业信贷风险调查分析查重1.docxVIP

PAGE PAGE 1 PAGE PAGE 2 摘 要 随着我国经济的快速发展，作为促进经济增长和就业的主要推动力之一，小微企业在我国经济发展中扮演着越来越重要的角色。但是小微企业的融资困难问题也得到了社会各界的广泛关注。与大型企业相比较，小微企业具有财务管理不规范，经营规模较小，抗风险能力差的特点，这使得商业银行在小微企业信贷业务发展中的风险管理不尽人意。 小微企业贷款是我国商业银行的一项重要工作，完善小微企业贷款的风险管理至关重要。为了促进小微企业商业银行信贷业务的合理发展，有必要寻求更好的小微企业信贷风险管理途径。这就要求银行研究小微企业信贷业务的风险控制，建立一套既适合小微企业经营特点的风险控制体系，又必须遵循信用风险管理原则，以确保业务的正常开展。本文主要研究建设银行沈阳分行如何针对小微企业信贷进行风险控制。首先是对信贷风险的概念进行了初步的阐述，再具体阐述信贷风险的分类以及特征，了解小微企业的信贷风险来源，然后针对目前的建设银行沈阳分行小微企业信贷现状进行了分析，结合对客户经理等人员的访谈数据了解建设银行沈阳分行的基本情况，对现行的建设银行沈阳分行信贷业务模式和风险管控办法进行整合，通过对现行建设银行沈阳分行小微企业信贷状况以及客户经理的阐述，具体分析并找出建设银行沈阳分行在小微企业信贷风险中存在的问题，最后针对建设银行沈阳分行小微企业信贷风险中存在的问题，本文提出了具体的解决对策和建议。 关键词：信贷风险；风险管理控制体系；贷后管理 PAGE PAGE 1 PAGE PAGE 3 沈阳工学院毕业论文 PAGE PAGE 2 Abstract With the rapid development of Chinas economy, as one of the main driving forces to promote economic growth and employment, small and micro enterprises play an increasingly important role in Chinas economic development. Subsequently, the financing difficulty of small and micro enterprises has also been widely concerned by the community. Compared with large enterprises, small and micro enterprises have the characteristics of non-standard financial management, small business scale and poor anti risk ability, which makes the risk management of commercial banks in the development of small and micro enterprise credit business unsatisfactory. Small and micro enterprise loan is an important work of commercial banks in China. It is very important to improve the risk management of small and micro enterprise loan. In order to promote the reasonable development of small and micro enterprise commercial bank credit business, it is necessary to seek better ways of small and micro enterprise credit risk management. This requires banks to study the risk control of credit business of small and micro enterprises, establish a set of risk control system suitable for the operation characteristics of small and micro enterprises, and must follow the credit risk management pri