尤其是对于以发展中小企业信贷业务为主的 WHC 银行而言，中小企业信贷业务
在该行所有对公授信业务中金额占比较大，做为一家以中小企业为主要服务对象的城
市商业银行，WHC 银行中小企业信贷风险管理方面存在的问题具有较大的代表性
本文旨在通过对 WHC 银行中小企业信贷风险管理体系的分析和深入研究，来解决怎
么样在继续提高对中小企业信贷扶持力度的同时，采用有效措施控制好中小企业信贷
风险，并促进中小企业信贷业务的良好发展，从而改善中小企业信贷融资环境，实现
银企的双赢
本文在总结前人相关文献的基础上，通过理论分析，采用模糊评价体系从风险管
理体系、风险评估工具、人力资源、贷后追踪等方面因素，通过市场调研法、专家评
分法等获取一些参考数据，并结合 WHC 银行内部的一些数据，对中小企业信贷风险
管理进行研究，并提出中小企业信贷风险管理优化建议，主要有改良信用评级体系、
创新信贷业务产品、完善风险预警机制、加强信贷人员培训、规范贷后管理考核、优
化信贷系统功能等。希望本文的研究能够为完善我国银行业在中小企业信贷管理体
系，提供有效建议
关键词：中小企业；信贷风险；模糊评价；信贷系统；贷后管理山东理工大学硕士学位论文 ABSTRACT
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ABSTRACT
SMEs play an important role in the employment, technological innovation and
regional economic development. They are the main productive forces in the development
of the national economy, and are the most active part of the national economy. SMEs&39;
credit has also become the main credit service objects of most of domestic banks in China.
However, compared with large enterprises, SMEs have weak ability to resist risks, bear the
brunt of the impact of economic downturn, more and more SMEs deteriorating business
conditions. In the face of the credit demand of SMEs, there is a large lack of credit risk
management, of the domestic banks, affected by imperfect management mechanism, poor
comprehensive quality of credit officer etc., leading to the rapid rise of bank credit risk.
As a city commercial bank with the main service target of SMEs, the problems
existing in the SMEs&39; credit risk management of WHC Bank are quite representative.
Through the analysis and research in credit risk management system of WHC bank, it is
important for WHC to solve the problem that how to continue to increase credit support for
SMEs, at the same time, take effective measures to control SMEs credit risk, and improve
the credit financing environment of SMEs to realize the win-win situation between banks
and enterprises.
On the basis of summarizing the relevant literatures of the predecessors, this paper
studies the credit risk management of SMEs in WHC bank by using the fuzzy evaluation
system from the aspects of risk management system, risk assessment tools, human
resources and post-loan tracking. The optimization proposal of credit risk management are
mainly to improve the credit rating system, innovative credit business products, improve
the risk early warning mechanism, strengthen the training of credit officers, standardize the
post-loan management assessment, optimize the credit system functions. It is hoped that
the research of this paper will provide effective suggestions for perfecting the credit
management system of SMEs in domestic banks.
Key words: SMEs, Credit Risk, Fuzzy Evaluation, Credit System, Post-loan Management山东理工大学硕士学位论文 目录
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目 录
摘要...
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