摘要··································································································I 目录································································································IV 图清单··························································································VIII 表清单··························································································VIII 1 绪论·······························································································1 1.1 选题背景和研究意义·······································································1 1.2 国内外研究现状··············································································2 1.3 本文研究框架·················································································8 1.4 技术路线图··················································································10 2 小微企业信贷风险管控相关理论基础··················································11 2.1 小微企业信贷风险相关概念····························································11 2.2 小微企业信贷风险管理理论····························································14 3 JW农行小微信贷业务发展与风险管控分析···········································16 3.1 JW农行概况·················································································16 3.2 JW农行小微信贷业务基本情况························································17 3.3 小微信贷风险管控情况··································································20 4 JW农行小微信贷风险管控存在问题及原因···········································22 4.1 小微信贷风险管控存在的问题·························································22 4.2 小微信贷风险管控的原因·······························································24 5 JW农行小微信贷风险评价指标模型建构及应用·····································26 5.1 采用模糊层次分析法实证的优势······················································26 5.2 小微信贷风险评价指标模型建构······················································27 5.3 信贷评价指标权重的确定·······························································31 5.4 模糊综合评判···············································································36 5.5 小微企业信贷等级确定··································································37 5.6 基于模糊层次分析法的小微企业信贷风险评价模型应用························38 6 JW农行小微信贷风险管控的对策及建议··············································42 6.1 加强和完善信贷风险管控制度·························································42 6.2 建立信贷风险预警监控机制····························································44 6.3 优化信贷业务关键环节审批管理······················································44 V 6.4 建立信贷风险管理组织体系····························································44 6.5 信贷产品与信贷服务的创新····························································46 7 结论与展望····················································································47 7.1 结论···························································································47 7.2 展望···························································································47