商业银行小企业业务信贷风险控制研究的中期报告.docx

商业银行小企业业务信贷风险控制研究的中期报告
摘要：
本文基于对商业银行小企业业务信贷风险控制的实证研究，旨在探究商业银行在小企业贷款中的信贷风险控制策略并提出相应的建议。通过对商业银行小企业业务信贷风险控制现状的调研，发现当前商业银行对小企业贷款的信贷审批流程不规范、风险评估不准确、风险防范手段不足等问题较为突出，存在较大的信贷风险。
在此基础上，本文提出了一系列完善商业银行小企业贷款信贷风险控制的建议，包括优化小企业贷款的审批流程和风险评估体系、完善小企业贷款的担保制度、加强对小企业贷款的监管和风险预警等。
研究的主要创新点在于，通过实证研究的方式探究商业银行小企业贷款中的信贷风险控制策略，从而提出相应的改进建议，为商业银行小企业贷款的风险控制工作提供了实质性的支持和帮助。
关键词：商业银行；小企业贷款；信贷风险控制；审批流程；风险评估体系；担保制度；监管；风险预警
Abstract:
Basedontheempiricalstudyofcommercialbanks'creditriskcontrolinsmallbusinessloans,thepurposeofthispaperistoexplorethecreditriskcontrolstrategiesofcommercialbanksinsmallbusinessloansandputforwardcorrespondingsuggestions.Throughtheinvestigationofthecurrentsituationofcommercialbanks'creditriskcontrolinsmallbusinessloans,itisfoundthattheproblemsofnon-standardcreditapprovalprocess,inaccurateriskassessmentandinsufficientriskpreventionmeasuresaremoreprominent,andtherearesignificantcreditrisks.
Onthisbasis,thispaperputsforwardaseriesofsuggestionstoimprovethecreditriskcontrolofcommercialbanks'smallbusinessloans,includingoptimizingtheapprovalprocessandriskassessmentsystemofsmallbusinessloans,improvingtheguaranteesystemofsmallbusinessloans,strengtheningthesupervisionandriskwarningofsmallbusinessloans,andsoon.
Themaininnovationofthestudyistoexplorethecreditriskcontrolstrategiesincommercialbanks'smallbusinessloansthroughempiricalresearch,andputforwardcorrespondingsuggestionstoprovidesubstantialsupportandhelpforthecreditriskcontrolworkofcommercialbanks'smallbusinessloans.
Keywords:CommercialBank;SmallBusinessLoans;CreditRiskControl;ApprovalProcess;RiskAssessmentSystem;GuaranteeSystem;Supervision;RiskWarning.