大连理工大学专业学位硕士学位论文
摘
要
近年来随着我国经济飞速发展，中小企业已经成功登上了经济发展的舞台，为我国
经济发展做出了重要贡献。为更好的扶持中小企业发展，国家在税收、行业等方面先后
出台多项政策，但中小企业发展仍遇到许多瓶颈，其中融资问题显得尤为突出。在日常
经营过程中，中小企业受到组织架构不完整、整体抗风险能力较弱、经营性现金流不足
等多方面因素的影响，其融资价格、融资规模等方面仍然受到了诸多限制。
论文以中小企业正逐步成为 A商业银行 D分行新的目标客户群体为研究背景，从 A
商业银行 D分行为中小企业提供更加优质服务的同时，更好把控中小企业贷后管理过程
中授信风险的角度展开研究，根据贷后管理问题发生的原因，选取贷后管理过程中发生
不良贷款的典型中小企业作为案例研究对象。论文基于信息不对称及信贷风险管理的相
关理论，以案例研究的方法，探讨了 A 商业银行 D 分行贷后管理过程中存在的问题，
归纳出贷后管理过程中中小企业不良贷款形成的主要原因为：贷后流程缺失对授信资金
流向的管控、贷后管理要求及考核不明确、未对风险缓释方式有效监管、公开信息更新
及变动预警不及时。为有效防范、化解和控制 A 商业银行 D 分行贷后管理过程中中小
企业授信风险，提高中小企业授信资产质量，降低中小企业贷款不良率，更好的解决中
小企业融资问题，论文通过对上述问题进行总结分析，有针对性的提出切实可行的解决
方案。
通过分析 A商业银行 D分行目前贷后管理的实际情况，从规范整体贷后风控流程、
加强贷后管理考核工作、完善对抵押物的管理制度、健全贷后风险预警系统等四方面提
出了具体的解决方案，补充了 A商业银行 D分行目前贷后管理流程的缺失，明确了相
关贷后管理的具体要求。论文中的研究有利于 A商业银行 D分行找出在中小企业贷后
管理过程中的不足，进一步规范和加强中小企业授信业务贷后管理工作，完善贷后管理
制度，帮助客户经理在贷后管理工作过程中及时识别中小企业授信风险，采取有针对性
的风险防范措施，有效降低不良贷款率，助力 A商业银行 D分行更好地服务中小企业。
关键词：中小企业；授信风险；商业银行；贷后管理
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A银行D分行中小企业贷款贷后管理案例研究
The Case Study on Post-loan Management of SMEs in Branch D of Bank
A
Abstract
In recent years, with the rapid development of China's economy, SMEs have successfully
boarded the stage of economic development and made important contributions to China's
economic development. In order to better support the development of SMEs, the state has
issued a number of policies in taxation, industry and other aspects, but the development of
SMEs still encounter many bottlenecks, among which the financing problem is particularly
prominent. In the daily operation process, SMEs are subject to many factors such as incomplete
organizational structure, weak overall risk resistance ability, insufficient operational cash flow,
etc., and their financing price and financing scale are still subject to many restrictions.
Thesis to SMEs is gradually becoming Branch D of Commercial Bank A a new target
customer group as the research background, from Branch D of Commercial Bank A to provide
more quality services to SMEs at the same time, better meet the SMEs credit risk in the process
of post-loan management study, according to the reasons for post-loan management, typical
SMEs with non-performing loans in the process of post-loan management are selected as the
case study object. Based on the relevant theories of information asymmetry and credit risk
management, this thesis discusses the problems existing in the post-loan management process
of Branch D of Commercial Bank A by means of case study, and concludes the main reasons
for the formation of non-performing loans of SMEs in the post-loan management process: Lack
of post-loan process; control of the flow of credit funds; unclear post-loan management
requirements and assessment; no effective supervision of risk mitigation methods, and no
timely update of public information and early warning of changes. To effectively guard against
and dissolve post-loan management and control of Branch D of Commercial Bank A in the
process of SMEs credit risk, improve the quality of SMEs assets, reduce the SMEs loans, better
solve the problem of improve the quality of SMEs assets, reduce the SMEs loans financing,
based on an analysis of the above problems, this thesis targeted put forward the feasible
solution.
Through the analysis of Branch D of Commercial Bank A current post-loan management
actual situation, from the specification after the overall credit risk control process and
strengthen post-loan management appraisal work, improve the management of the mortgaged
property system, the credit risk early warning system and so on four aspects proposed the
concrete solution, adding Branch D of Commercial Bank A current lack of post-loan
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大连理工大学专业学位硕士学位论文
management process, the specific requirements of post-loan management are clarified.
Research is conducive to Branch D of Commercial Bank A of thesis find out the deficiency in
the process of post-loan management in SMEs, further standardize and strengthen post-loan
management of SMEs credit business, improve the system of post-loan management, help the
customer manager in post-loan management timely identification of SMEs credit risk in the
process, take targeted measures to prevent risks, effectively reduce the non-performing loan
ratio, Assist Branch D of Commercial Bank A to better serve SMEs.
Key Words：SMEs; Credit Risk; Commercial Banks; Post-loan Management
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