MBA教育中心知识库

随着我国经济的快速发展，商业银行数量不断增加，我国商业银行在处理中小企业信贷业务时面临着巨大的机遇和挑战。中小企业作为我国社会经济中最具有活力与生机的团体，已然成为中国经济增长的重要组成部分。中小企业想要保持快速上升的态势，单纯依赖自身积累是难以达到要求的，必须依靠于外部融资的支持，其中商业银行信用贷款是其主要的资金来源渠道，但目前来说多数中小企业融资困难则是普遍存在的情况。尤其以民营企业为主的广大中小企业经营压力较大，市场业绩面临下滑，银行信贷风险剧增，企业自身无法化解。由此银行不良信贷也不断增加，银行等金融机构由此缩小对中小企业贷款总量，提高贷款利率，减少放款周期，使广大中小企业陷入了贷款难、贷款贵的困难境地。中小企业融资难成为制约其发展的一大重要因素，甚至出现部分企业年年贷款、年年需要银行输血才能缓解生存的困难问题。

为了探索商业银行信贷风险的优化对策，本文以兰州银行为研究对象，采用文献分析法和案例分析法，通过学习和借鉴前人学者的理论成果，对兰州银行处理中小企业信贷业务过程中，信贷风险管理的组织结构、流程、机制问题进行分析，并做出相应的管理对策。通过对兰州银行中小企业信贷业务的案例研究，系统分析该行在信贷业务开展过程中存在的风险管理问题，进而提出灵活的贷款政策、建立多元化的小额贷款管理办法、完善担保机制和提高企业审贷率等措施，降低兰州银行对中小企业信贷流程中产生的风险。从兰州银行对中小企业信贷业务实践出发，探究信贷风险问题在中小企业中的具体表现，并结合当前商业银行中信息、绩效、管理者认知等方面的理论研究，进一步完善兰州银行现有的信贷风险管理体系。研究分析兰州银行对中小企业信贷业务的案例为我国其他商业银行在开展中小企业信贷业务提供借鉴与参考，不仅如此，对促进中国中小企业业务进程也具有一定的应用价值和现实意义。

With the rapid development of China's economy, the number of commercial banks is increasing, China's commercial banks are facing great opportunities and challenges in dealing with the credit business of small and medium-sized enterprises (SMEs). SMEs, as the most vigorous and vital group in China's social economy, have become an important part of China's economic growth. If SMEs want to maintain the trend of rapid rise, it is difficult to meet the requirements simply by relying on their own accumulation, they must rely on the support of external financing, among which commercial bank credit loan is the main source of funds, but at present, most small and medium-sized enterprises financing difficulties is a common situation. In particular, the large number of SMEs, mainly private enterprises, are under great operating pressure. The market performance is facing a decline, and the bank credit risks are soaring, which cannot be resolved by enterprises themselves. As a result, the non-performing loans of banks are also increasing, and banks and other financial institutions reduce the total amount of loans to SMEs, raise the loan interest rate, reduce the loan cycle, making the majority of small and medium-sized enterprises into the difficult situation of difficult and expensive loans. Financing difficulties for SMEs have become an important factor restricting their development, and some enterprises even need annual loans and blood transfusions from banks to ease their survival.

To explore the optimization countermeasures of commercial bank credit risk, this paper takes Lanzhou bank as the research object, using literature analysis and case analysis, the theoretical achievements of previous scholars, through learning and reference for Lanzhou bank processing in the process of the SMEs credit business, credit risk management organization structure, process and mechanism are analyzed, and the corresponding management measures. Through a case study of bank credit business of SMEs in Lanzhou, a systematic analysis of the bank in the credit business in the process of risk management problems, put forward the flexible loan policy, establish a diversified measures for the management of small loans, improve the guarantee mechanism, and improve enterprise credit audit rate, measures such as reducing Lanzhou bank for SMEs in the process of credit risk. Starting from the practice of bank of Lanzhou's credit business for SMEs, this paper explores the specific performance of credit risk problems in SMEs, and further improves the existing credit risk management system of Bank of Lanzhou based on the theoretical research of information, performance and manager cognition in current commercial banks. The study and analysis of Lanzhou Bank's SMEs credit business case provides reference for other commercial banks in China to develop SMEs credit business, not only that, but also has certain application value and practical significance.