I 摘 要 农发行作为政策性银行，在我国当前的经济结构调整中发挥着越来越重要的 作用。伴随着我国金融体制改革步伐的不断加快，农发行信贷业务范围不断扩展 延伸到各个领域。中小企业的不断发展壮大，在社会经济市场中发挥着日益重要 的作用。农发行正处于改革转型的关键时期，发展中小企业信贷业务是农发行满 足自身业务发展的需要。中小企业在农发行贷款余额逐年增加，中小企业个数和 贷款余额占比不断上涨，中小企业信贷业务已经成为农发行利润来源的重要组成 部分。在中小企业信贷业务快速发展的同时，农发行中小企业信贷风险管理问题 逐渐凸显。首先，农发行作为政策性银行承贷的中小企业贷款项目的利润相比同 业银行比较低，中小企业信贷业务起步晚，发展经验缺乏，贷款模式单一，在风 险管理方面存在缺陷与漏洞。其次，中小企业贷款规模小，企业还款能力差，许 多贷款项目长期处于亏损状态而无力扭转颓势。近年来，农发行中小企业贷款不 良贷款金额和不良贷款率逐年上升，对农发行信贷业务可持续发展产生了重大影 响。如何在贷款规模不断扩大的同时加强对中小企业信贷风险防控，成为农发行 发展急需解决的问题。 本文以农发行LY分行为研究对象，对农发行LY分行中小企业信贷风险管理 问题进行研究。首先对信贷风险管理的国内外研究现状进行了梳理，对农发行 LY分行基本概况、中小企业信贷业务种类和发展状况进行总结，通过案例分析 法，对农发行LY分行中小企业信贷业务存在的风险进行详细的分析，结合LY分 行中小企业信贷风险管理现状对农发行LY分行中小企业信贷风险管理存在的问 题进行剖析，研究结果发现农发行LY分行中小企业信贷风险管理存在信贷风险 管理缺乏综合性、关键环节风控管理不够严格、信贷人员职业能力有待提高等问 题。根据其存在的问题，对农发行LY分行中小企业信贷业务风险管理提出相应 的对策建议，包括：提升信贷综合统筹能力、强化信贷关键环节风控管理、提升 信贷队伍专业能力等。希望通过本文的研究分析可以对农发行LY分行中小企业 信贷风险管理提供一个参考借鉴，提高农发行LY分行信贷风险管理水平。 关 键 词：LY农发行；中小企业；风险管理 论文类型：应用类 选题来源：其他 ABSTRACT II ABSTRACT As a policy bank, agricultural issuance plays an increasingly important role in the current economic restructuring in China. Along with the accelerating pace of China's financial system reform, the scope of agricultural issuance and credit business has been continuously expanded and extended to various fields. With the continuous development and growth of small and medium-sized enterprises in recent years, they have played an increasingly important role in the socio-economic market. Agricultural issuance is in the crucial period of business reform and development. Developing credit business of small and medium-sized enterprises is the need of agricultural issuance to meet its own business development. The loan balance of SMEs in agriculture has been increasing year by year, and the number of SMEs and the proportion of loan balance have been rising. The credit business of SMEs has become an important part of IFAD's profit source. Along with the rapid development of credit business of small and medium-sized enterprises, the problem of credit risk management of small and medium-sized enterprises in agricultural issuance has gradually become prominent. First of all, the profits of many loan projects of small and medium-sized enterprises with agricultural issuance as a policy bank loan are relatively low compared with those of the same industry banks. The credit business of small and medium-sized enterprises with agricultural issuance started late, lack of development experience, single loan model, and there are defects and loopholes in risk management. Second, small and medium-sized enterprises loan scale, the enterprise repayment capacity is poor, the loan project is in the state of long-term loss and unable to reverse the decline. In recent years, the amount of non-performing loans and the rate of non-performing loans for small and medium-sized enterprises issued by farmers have increased year by year, which has had a major impact on the sustainable development of agricultural loan business. How to strengthen the credit risk prevention and control of small and medium-sized enterprises while increasing the scale of loans has become an urgent problem for the development of agricultural issuance. This paper studies the credit risk management of SMEs in the LY branch of the Agricultural Development Bank. Firstly, it sorts out the domestic and international research status of credit risk management, summarizes the basic situation of LY branch of agricultural distribution, the types and development status of SME credit ABSTRACT III business, and analyzes the risk of SME credit business of LY branch through the case analysis method. A detailed analysis, combined with the current situation of credit risk management of SMEs in LY branches, analyzes the problems existing in SME credit risk management of LY branches of agricultural distribution LY branches. The research results show that there is a lack of comprehensive credit risk management in SME credit risk management of LY branches. The credit risk management tools are lagging behind, the post-loan management system is not strictly implemented, and the professional ability of credit officers needs to be improved. According to its existing problems, it puts forward corresponding countermeasures and suggestions for the risk management of SME credit business of the Agricultural Distribution LY Branch, including: improving the comprehensive credit planning ability, strengthening the risk management of key credit links, and improving the professional ability of the credit team. It is hoped that through the research and analysis of this paper, it can provide a reference for the credit risk management of SMEs in the LY branch of the Agricultural Development Bank, and improve the credit risk management level of the LY branch of the Agricultural Development Bank. KEY WORDS: Agricultural Development Bank;Small and medium-sized enterprises; Risk management Dissertation type: Application research Subject source: Other 目录 IV 目 录 第一章 绪论 ...............................................1 第一节 研究背景与意义 ............................................1 一、研究背景 .................................................1 二、研究意义 .................................................2 第二节 国内外研究综述 ............................................2 一、国外研究综述 .............................................2 二、国内研究综述 .............................................4 第三节 研究内容 ..................................................4 第四节 研究方法 ..................................................6 第二章 相关理论概述 .......................................9 第一节 信贷风险的概念和类型 ......................................9 一、信贷风险的概念 ...........................................9 二、信贷风险的类型 ...........................................9 第二节 信贷风险管理理论 .........................................11 一、资产风险管理理论 ........................................11 二、负债风险管理理论 ........................................12 三、资产负债风险管理理论 ....................................12 四、全面风险管理理论 ........................................12 第三节 中小企业信贷风险管理理论 .................................12 一、中小企业的界定 ..........................................12 二、中小企业信贷风险的涵义 ..................................13 三、中小企业信贷风险产生的原因 ..............................13 第三章 农发行LY分行中小企业信贷风险分析 .....................15 第一节 农发行LY分行基本情况 ....................................15 一、农发行LY分行概况 .......................................15 二、农发行LY分行中小企业信贷业务种类 .......................16 三、农发行LY分行中小企业信贷业务发展现状 ...................17 第二节 基于案例农发行LY分行中小企业信贷风险分析 ................19 一、案例一分析 ..............................................19 二、案例二分析 ..............................................21 目录 V 三、结论 ....................................................23 第四章 LY分行中小企业信贷风险管理现状及存在的问题 ..........25 第一节 农发行LY分行中小企业信贷风险管理的现状 .................25 一、建立了信贷