MBA教育中心知识库

近年来，随着国家对小微企业、个体工商户等群体的支持力度越来越大，“普惠金融”一词频频出现在社会大众的视野中。大力发展普惠金融，做好普惠金融工作，提供专业、高效的普惠金融服务，是各商业银行坚定不移践行金融工作政治性、人民性的具体体现，也是各商业银行的使命但当，更为商业银行的发展带来重大市场机遇。面对数量众多的小微企业、个体工商户等群体，商业银行传统的普惠金融信贷模式已经无法有效满足庞大的客群需求，普惠金融线上信贷业务以其高效、便捷、低成本等优势，成为各商业银行普惠金融信贷业务的主流趋势，进入了快速发展的轨道。

线上信贷业务与传统信贷业务相比，其风险管理的内容发生了变化，原来的一些风险管理理念、管理模式、管理措施已经不能较好地适应形势的变化。随着业务的发展，在信贷风险管理方面逐步显现出了一些问题。通过不断完善风险管理机制，才能进一步推动普惠金融高质量发展。

本文以工商银行G分行普惠金融线上信贷业务为研究对象，首先通过国内外文献及相关理论对普惠金融及其风险管理进行研究。其次，结合实地调查情况，了解工商银行G分行普惠金融线上信贷业务发展状况。第三，通过调查问卷、企业访谈等方式，探寻工商银行G分行在普惠金融线上信贷业务风险管理中的不足之处，并深入分析问题的成因。最后，在以上研究成果的基础上，提出了工商银行G分行普惠金融线上信贷业务风险管理的优化措施，也为其他商业银行高质量发展普惠金融线上信贷业务提供有意义的参考。

In recent years, a term “inclusive finance” has been in the public eye with the increasing support of the state for small and micro businesses and individual industrial and commercial households. Developing inclusive finance, conducting good performance in inclusive finance, and providing professional and high-efficient inclusive financial services are the concrete embodiment of the resolute practice of the political and people’s natures of the financial work and responsibility of commercial banks, which brings massive market opportunities for the development of commercial banks. In the face of numerous small and micro businesses and individual industrial and commercial households, it is difficult for traditional inclusive financial credit model of commercial banks to meet the needs of numerous customers. However, online credit business of inclusive finance with the advantages of high efficiency, convenience and low costs has become a mainstream trend of inclusive finance credit business of commercial banks and has stepped into the track of fast development.

Compared with credit business in the traditional manner, online credit business witnessesgreat changes in the risk management. To be more specific, the original management concepts, modes and measures no longer adapt to the changes of current circumstances, which produce new problems in credit risk management with the development of credit business. Only by improving and upgrading risk management schemes, can we further promote the high-quality development of inclusive finance.

This paper regards the online credit business of inclusive finance of ICBC G branch as the research object. To begin with, inclusive finance and risk management have been studied by literature research methods at home and abroad. Besides, combined with the investigation results, we learned about the development of inclusive financial online credit business of ICBC G Branch. Third, with the methods of field investigations, questionnaires, and enterprise interviews, the problems existing in the risk management of inclusive financial online credit business of ICBC G Branch are  figured out, and the causes of the problems are analyzed. Last but not least, based on above studies, an optimization strategy for the risk management of inclusive finance online credit business of ICBC G Branch has been put forward, which also provides a meaningful reference for the high-quality development of inclusive finance online credit business of other commercial banks.