MBA教育中心知识库

小微企业是我国国民经济和社会发展中不可缺少的重要支撑力量，在居民收入提高、就业岗位增加、社会稳定和谐保持等方面有着举足轻重的作用。小微企业在我国各种实体市场中占有绝对数量上的优势，是国家经济发展的主要支柱。我国银行业加强对小微企业贷款的扶持，有利于推动我国实体经济的良好发展。中国建设银行在响应国家政策的要求下，在2018年实施普惠金融战略后，小微企业信贷业务规模的发展速度逐年加快，但也面临新的问题。小微企业贷款信贷质量连年下降，违约案例时有发生。现阶段如何降低小微企业信贷资产不良贷款率，优化小微企业信贷风险管理已经成为中国建设银行甘肃省分行（本文以下简称建行甘肃省分行）发展过程中急需解决的重要现实问题。

本文围绕建行甘肃省分行小微企业信贷业务展开研究，从系统分析、梳理建行甘肃省分行小微企业信贷业务的基本流程、发展现状入手，延伸至对小微企业信贷风险管理的分析，坚持问题导向，借助调查问卷等分析方法，以小见大，深入分析小微企业信贷风险管理中存在的典型问题、突出难点，经调查发现建行甘肃省分行目前存在小微企业客户经理队伍专业素养较差、小微企业信贷业务信贷业务准入环节较薄弱、风险管理制度执行力度较弱、风险管理流程优化较欠缺等问题。并针对这些难点、堵点，有针对性地提出强化信贷专业队伍建设、提高信贷业务准入标准、健全信贷风险管理制度、打造智能风控管理体系等风险管理优化方案，从而达到优化小微企业信贷资产质量、提升建行甘肃省分行小微企业金融服务效率的目的。

Small and micro enterprises are an indispensable and important supporting force in China's national economy and social development, and play a pivotal role in raising residents' income, increasing jobs, and maintaining social stability and harmony. Small and micro enterprises are the absolute number of domestic entities in the market advantage, is the main pillar of national economic development. Commercial banks have increased their credit support to small and micro enterprises, which has played a good role in promoting the healthy development of the real economy. CCB, in response to the requirements of national policies, has accelerated the development of credit business for small and micro enterprises year by year after the implementation of inclusive finance strategy in 2018, but also faces new problems. The quality of loans granted to small and micro enterprises has declined in successive years, and cases of default occur from time to time. At the present stage, how to reduce the non-performing loan ratio of credit assets of small and micro enterprises and optimize the credit risk management of small and micro enterprises have become an important practical problem to be urgently solved in the development of the Gansu Branch of China Construction Bank (hereinafter referred to as the "Gansu Branch").

This paper, focusing on the credit business for small and micro enterprises of the Construction Bank's Gansu Branch, starts with the systematic analysis and sorting out of the basic process and development status quo of the credit business for small and micro enterprises of the Construction Bank's Gansu Branch, extends to the analysis of the credit risk management for small and micro enterprises, adheres to the problem-oriented principle, and by means of questionnaires and other analytical methods, deeply analyzes the typical problems and prominent difficulties in the credit risk management for small and micro enterprises, for example, the customer managers of the Construction Bank's Gansu Branch have poor professional quality, the access threshold for the credit business for small and micro enterprises is low and vulnerable to subjective factors, the risk management system is not in place, and the risk management process still needs to be optimized. Aiming at these difficulties and blocking points, this paper puts forward some optimized plans for risk management, such as strengthening the construction of professional credit team, raising the threshold for business access, strengthening the compliance awareness of employees, strictly implementing and improving the relevant systems for risk management, and creating an intelligent risk control management system, so as to optimize the quality of credit assets of small and micro enterprises and improve the efficiency of financial services for small and micro enterprises of the Construction Bank Gansu Branch.