【正文】 ............... 9 小微企業(yè)概念 ...................................... 9 小微企業(yè)界定標準 ................................. 10 小微企業(yè)信貸風險分類與成因 ............................. 12 信用風險 ......................................... 12 操作風險 ......................................... 12 市場風險 ......................................... 13 流動性風險 ....................................... 13 小微企業(yè)信貸的貸前控制 ................................. 14 小微企業(yè)貸前調查 ................................. 14 信用評級 ......................................... 15 統(tǒng)一授信體制下的貸款額度管理 ..................... 16 小微企業(yè)信貸的貸中審查審批 ............................. 17 法人授權管理 ..................................... 17 貸款審批 ......................................... 18 小微企業(yè)信貸的貸后管理 ................................. 19 V 貸后檢查 ......................................... 19 信息管理 ......................................... 19 第三章 小微企業(yè)信貸風險管理現狀分析 ............................ 21 商業(yè)銀行小微金融發(fā)展概況 ............................... 21 小微金融發(fā)展整體情況 ............................. 21 股份制銀行的小 微金融產品 ......................... 21 小微企業(yè)信貸風險管理現狀 ............................... 23 管理概況 ......................................... 23 存在問題 ......................................... 23 小微企業(yè)信貸風險管理問題成因 ........................... 25 宏觀環(huán)境因素 ..................................... 25 小微企業(yè)信用問題 ................................. 25 商業(yè)銀行自身問題 ................................. 25 第四章 民生銀行對小微企業(yè)的信貸風險管理 ........................ 27 民生銀行小微金融業(yè)務開展概況 ........................... 27 民生銀行的成立與發(fā)展 ............................. 27 民生銀行小微金融戰(zhàn)略 ............................. 28 民生銀行小微金 融發(fā)展情況 ......................... 28 商貸通申辦流程與特色介紹 ............................... 29 商貸通申辦流程 ................................... 29 商貸通主要特色介紹 ............................... 30 民生銀行小微企業(yè)信貸風險 ............................... 33 民生銀行小微企 業(yè)信貸風險成因 ..................... 33 民生銀行小微企業(yè)信貸風險 ......................... 34 民生銀行小微企業(yè)信貸風險管理措施探索 ............. 35 第五章 民生銀行商圈信貸風險管理案例 ............................ 37 商會概況 .............................................. 37 商會基本情況 ..................................... 37 VI 商會內的會員情況。 最后，本文基于上述理論分析與案例研究，提出了我國商業(yè)銀行對小微企業(yè)信貸風險管理的五大對策建議：建立專門的小微金融業(yè)務部門、構建針對小微企業(yè)貸款的內部信用評級體系、加強與外部機構合作、豐富小微金融產品與服務、建立小微企業(yè)貸款風險定價機制。因此，對小微企業(yè)信貸風險進行科學、高效的管理成為我國商業(yè)銀行拓展小微金融業(yè)務的必然選擇。 I 商業(yè)銀行對小微企業(yè)的信貸風險管理 基于民生銀行的案例研究 摘要 小微企業(yè)有力地促進了我國經濟增長與技術創(chuàng)新，創(chuàng)造了大量就業(yè)崗位，是我國國民經濟發(fā)展的重要基礎，而小微企業(yè)融資卻是長期難以破解的問題。 本文以風險管理理論與新巴塞爾協議為分析框架，結合國內銀行傳統(tǒng)管理經驗，提出“貸前調查”、“貸中審查”、“貸后檢查”的小微企業(yè)信貸風險動態(tài)管理模式。 關鍵詞 ：商業(yè)銀行 小微金融 信貸風險管理 民生銀行 II Abstract Small and micro enterprises have greatly promoted china’ s economic growth, employment expanding, and technological innovation. They are important foundation of China’ s stable and rapid economic growth. However, the financing problem of small and micro enterprises has been difficult to solve by a long time. Driven by petitive pressures outside and profit force inside, mercial banks have begun to expand microfinance business and regard it as a chance of business transformation. However, the trial is not smooth going because credit risk of small and micro enterprises. In this background, it is an inevitable choice for mercial banks to manage credit risk of small and micro enterprises scientifically and effectively. This paper takes risk management theories and New Basel Agreement as framework, and bines them with traditional management experiences of Chinese mercial banks. Based on them, this paper sets dynamic mode of credit risk management of small and micro enterprises lending that “ investigation before releasing loan” , ” review in the process of releasing a loan” , and “ examination after releasing a loan” are the main contents. In practice, mercial banks almost manage credit risk as this mode, and have made certain achievement. However, as Chinese microfinance is at the beginning stage, there are still many problems in credit risk management, such as unreasonable risk management framework, poor credit rating system, and so on. Through objective analysis, this paper thinks these problems are caused by macro environments, small and micro enterprises, and mercial banks. Then, this paper takes Minsheng Bank as a case to better study the credit risk management of microfinance and summarize related experience III of mercial banks. Firstly, it analyzes the operation, especially credit risk management of Minsheng Banking Co.’ s microfinance business. It sums up Mingshen’ s experience, and proposes solutions for its risk management issues. Secondly, it researches on a credit business to an enterprises cluster of Menshen’ s one subbranch in Guangdong, focusing on the case’ s credit scheme and credit risk management. Finally, based on these theoretical analysis and case study, this paper proposes five remendations of credit risk management about small and micro enterprises for mercial banks: establishing microfinance operation center, constructing specific internal credit rating system, strengthening cooperation with external agencies, enriching products and services about microfinance, and establishing scientific risk pricing mechanism. Key Words: Commercial Bank。 ............................... 37 甲支行對 A 商會的授信方案 ............................... 38 商戶金融需求分析 ................................. 38 甲支行營銷目標 ................................... 39 授信方案設計 ..................................... 39 信貸風險管理 ........................................... 41 信貸風險分析 ..................................... 41 信貸風險管理措施 ................................. 41 第六章 結論與對策建議 .......................................... 43 總結與對策建議 ......................................... 43 全文總結 ......................................... 43 對策建議 ............................