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| 大湾区背景下商业银行中小微企业信贷风险控制研究 摘 要 近年来，国家推行了许多有益于中小微企业发展的政策，如健全中小企业法律法规体系。然而，始于2008年由美国开始的金融危机之后，中小微企业仍然面临很大的窘境，融资难、融资贵就是其中的瓶颈问题，阻碍了中小微企业的发展。本文主要对大湾区商业银行——农行东莞松山湖支行的信贷风险现状进行分析，提出其当前时期的信贷风险问题，同时结合浦发银行对于信贷风险管理方面的经验，提出完善农行东莞松山湖支行的信贷风险的对策建议。本文认为，在当前时代背景下，中小微企业信贷风险依旧存在较严重的问题，需要银行方面提高信贷风险管理能力。本文针对农行东莞松山湖支行信贷风险管理存在的问题提出了三项对策建议，分别是完善信贷投放机制，强化银行员工的责任机制以及推动中小微企业合作的新动力。 关键词：信贷风险管理；中小微企业；商业银行；大湾区 Abstract In recent years, the state has implemented many policies beneficial tothe development of small and medium-sized enterprises,such as improving the laws and regulations system of small and medium-sized enterprises. However, after the financial crisis started in the United States in 2008,small and medium-sized micro enterprises are still facing a great dilemma. The difficulty and high cost of financing are the bottlenecks,which hinder the development of small and medium-sized micro enterprises.This paper mainly analyzes the current situation of credit risk of Dongguan Songshanhu sub branch of Agricultural Bank of China in Dawan District, and puts forward the credit risk problems in the current period. At the same time, combined with the experience of Shanghai Pudong Development Bank incredit risk management, this paper puts forward some countermeasures and suggestions toimprove the credit risk of Dongguan Songshanhu sub branch of Agricultural Bank of China.This paper argues that in the current era,there are still serious problems in the credit risk of small and medium-sized micro enterprises, and banks need to improve the ability of credit risk management. In view of the problems existing in the credit risk management of Dongguan Songshanhu sub branch of ABC, this paper puts forward three countermeasures and suggestions,which are to improve the credit supply mechanism,strengthen the responsibility mechanism of bank employees, and promote the new power of cooperation between small and medium-sized enterprises. Key words: Credit Risk Management, SMEs, Commercial Nanks, Dawan District 目 录 摘 要 I Abstract II 一、导论 1 （一）研究背景与意义 1 （二）研究方向及国内外发展现状 2 （三）课题研究内容与方法步骤 4 二、农行东莞松山湖支行信贷风险管理现状及问题 5 （一）农行东莞松山湖支行信贷风险管理概述 5 （二）农行东莞松山湖支行信贷风险管理存在的问题 6 三、 境内银行处理中小微企业信贷风险管理方案借鉴--以浦发银行为例 7 （一）浦发银行简介 7 （二）浦发银行中小微企业信贷风险管理现状及弊端 8 （三）浦发银行完善中小微企业信贷风险管理的策略 8 四、 农行东莞松山湖支行信贷风险管理的对策建议 9 （一）完善信贷投放机制 9 （二）强化责任机制 10 （三）推动与中小微企业合作的新动力 10 参考文献 12 致 谢 13 |
