分类号 密级
UDC 编号
专业硕士研究生
学位论文
论文题目：A 银行云南分行小微企业信贷风
险管理优化策略研究
英文题目：Researchon risk management
optimization strategy of small and micro
enterprise credit business of Yunnan
Branch of Bank A
学院 泛亚商学院
专业学位类别 工商管理
专业学位领域 工商管理（MBA）
研究生 姓 名 杨云滟 学号 1820350008
导 师 姓 名 赵明元 职称 副教授
2021 年 6 月 1 日 独创性声明
本人声明所呈交的学位论文是我个人在导师指导下进
行的研究工作及取得的研究成果。尽我所知，除文中已经标
明引用的内容外，本论文不包含任何其他个人或集体已经发
表或撰写过的研究成果。对本文的研究做出贡献的个人和集
体，均已在文中以明确方式标明。本人完全意识到本声明的
法律后果由本人承担。
学位论文作者签名：
2021 年 6 月 1 日
学位论文版权使用授权书
本学位论文作者完全了解学校有关保留、使用学位论文
的规定，即：学校有权保留并向国家有关部门或机构送交论
文的复印件和电子版，允许论文被查阅和借阅。本人授权云
南师范大学可以将本学位论文的全部或部分内容编入有关
数据库进行检索，可以采用影印、缩印或扫描等复制手段保
存和汇编本学位论文。
学位论文作者签名： 指导教师签名：
2021 年 6 月 1 日2021 年 6 月 1 日 摘要
摘要
银行小微企业贷款业务的核心是风险管理，风险管理取决于融资本息是否
能安全收回。但由于小微企业存在自身实力弱、抗风险能力差、财务管理不健
全等原因，导致商业银行对小微企业的信贷投放面临较大的风险，不良贷款率
逐年上升。因此，就商业银行而言，小微企业的信贷风险管理尤为重要，一方
面可以优化小微企业信贷风险管理水平，另一方面可以提高商业银行信贷资产
安全性，提升竞争能力。
本文主要以基本风险理论为研究基础，参考相关图书、刊物、互联网资料
等文献，国内外先进的小微企业信贷风险管理理念，作为论文写作的理论基础。
以 A 银行云南分行小微企业信贷业务的产品种类、业务流程、风险管理现状等
数据为样本，跟踪小微企业信贷业务的办理流程，总结出各个环节存在的问题，
经过研究得出如下结论：
1.归纳出 A 银行云南分行小微企业信贷业务风险的成因分因是：（1）在贷
前，贷款行业投向集中导致的系统性风险、小微企业自身风险、信息不对称风
险；（2）在贷中，贷款产品创新不足、产品结构单一；（3）在贷后，风险控
制技术弱、信贷人员业务素质参差不齐等。
2.针对 A 银行云南分行的实际情况提出一套有针对性的小微企业信贷风险
管理策略：（1）在贷前，选择优质客户、合理信贷配给，认真做好贷前调查、
降低信息不对称；（2）在贷中，优化产品功能，创新担保方式、加强审查岗位
人员遴选、建立审查后评价制度；（3）在贷后，优化风险预警系统、提高贷后
管理质量、加强人才培养等。
本论文从结构性信贷合约视角提供了小微企业信贷业务风险管理理论研
究，在其他商业银行今后对小微企业信贷业务风险管理方面提供一定的借鉴意
义。分析了A 银行云南分行小微信贷业务管理存在的问题，为提升其小微企业
信贷业务的风险控制水平，改善小微企业信贷资产质量提供了可操作性的建议，
为小微信贷业务风险管理增加案例样本。
关键词：A银行云南分行；小微企业；信贷风险；风险管理
I Abstract
Abstract
The core of bank small and micro enterprise loan business is risk management,
risk management depends on whether the financing interest can be recovered safely.
However, due to the small and micro enterprises have their own weak strength, poor
anti-risk ability, financial management is not perfect and other reasons, resulting in
commercial banks to small and micro enterprises credit is facing greater risk,
non-performing loan rate increased year by year. Therefore, in terms of commercial
banks, the credit risk control of small and micro enterprises is particularly important.
On the one hand, it can optimize the credit risk management level of small and micro
enterprises. On the other hand, it can improve the security of credit assets of
commercial banks and enhance their competitiveness.
Based on the basic risk theory, this paper compares and summarizes the
advanced credit risk management concepts of small and micro enterprises in China
and abroad with reference to relevant books, journals, Internet materials and other
literature, which is the theoretical basis of this paper. Taking the development
process, products, processes, business status and other data of small and micro
enterprise credit business of Bank A Yunnan Branch as samples, this paper tracks the
process of small and micro enterprise credit business, summarizes the problems
existing in each link,The research process is as follows:
1.( 1 ) Guided by the discovery of problems, combining the theoretical basis
with the actual typical cases, the causes of the credit business risks of small and
micro enterprises in Yunnan Branch of Bank A are summarized as follows : ( 1 )
Before the loan, the systemic risks, the risks of small and micro enterprises, the risks
of small and micro enterprises themselves, and the risks of information asymmetry ;
( 2 ) In the loan, the loan product innovation is insufficient, the product structure is
single ; ( 3 ) After loan, the risk control technology is weak and the business quality
of credit personnel is uneven.
2. Put forward a set of targeted small and micro enterprise risk management
strategy according to the actual situation of Bank A Yunnan Branch : ( 1 ) Before
II Abstract
loan, select high-quality customers, reasonable credit rationing, carefully investigate
before loan, reduce information asymmetry ; ( 2 ) In lending, optimize product
functions, innovate guarantee methods, strengthen the selection of review posts and
establish a post-review evaluation system ; ( 3 ) After loan, optimize the risk early
warning system, improve the quality of loan management, strengthen personnel
training, etc.
This paper provides a theoretical study on the risk management of credit
business of small and micro enterprises from the perspective of structured credit
contract, and provides some reference for other commercial banks in the future on
the risk management of credit business of small and micro enterprises. This paper
analyzes the problems existing in the management of small and micro credit business
of Yunnan Branch of Bank A, and provides operational suggestions for improving
the risk control level of credit business of small and micro enterprises and improving
the quality of credit assets of small and micro enterprises, and adds case samples for
the risk management of small and micro credit business.
Key words : Yunnan Branch of Bank A；Small and micro enterprises ; credit
risk ; risk management
III