摘要
摘要
小微企业在推进经济的增长、增加就业、激发创新力等方面发挥着重要作
用，政府相关部门陆续出台了支持小微企业的相关政策，要求各商业银行保持
对小微企业的金融服务力度“不松劲”，提高小微企业金融服务的覆盖面和可
得性，银保监局在2020年更是提出了努力实现小微企业金融服务贷款“增量、
扩面、提质、降本”的总体目标。随着对小微企业信贷支持力度的加强，小微
企业信贷风险管控措施也亟需进行改进与提升。
本文以QZ银行为研究对象，通过图表分析、流程梳理、同时查阅相关文献，
对QZ银行小微企业信贷风险管控现状进行详细介绍，指出其信贷风险管控存在
的问题主要有贷前调查不到位、信用评级指标不科学、授信审查审批不严谨、
贷后管理体系不健全。通过结合典型案例分析，总结归纳其小微企业信贷风险
管控存在问题的成因在于QZ银行信贷人员风险合规意识不足、获取客户信息渠
道有限、科技研发能力较弱，通过QZ银行小微企业信贷风险管控问题及其成因
的分析，有针对性地提出QZ银行小微企业信贷风险管控的对策及建议，主要包
括加强贷前调查、构建科学有效的信用评级体系、完善贷中审查机制、健全贷
后管理体系、强化系统与信贷队伍建设。
本文的对策建议对于QZ银行小微企业信贷风险管控有一定帮助，同时为其
他银行的小微企业信贷风险管控提供借鉴。
关键词： QZ银行 小微企业 信贷风险管控
I

Abstract
Abstract
Small and micro enterprises play an important role in promoting economic growth,
promoting employment and activating the vitality of innovation. The relevant parts of
the government have successively issued relevant policies to support small and micro
enterprises, which require commercial banks to maintain the strength of financial
services to small and micro enterprises, and to improve the coverage and availability
of financial services for small and micro enterprises. In 2020, the CBRC has put
forward the overall goal of striving to achieve the "increment, expansion, quality
improvement and cost reduction" of financial services loans for small and micro
enterprises. With the strengthening of credit support for small and micro enterprises,
credit risk control measures for small and micro enterprises also need to be improved
and upgraded.
This paper takes QZ Bank as the object of study.It introduces the status quo of
credit risk control of small and micro enterprises of QZ Bank in detail. Through chart
analysis, process combing and consulting relevant documents, it is pointed out that
the main problems of credit risk control include pre credit investigation,
unscientific credit rating indicators, unauthorized credit examination and
approval, and imperfect post loan management system.Based on the analysis of
typical cases, this paper summarizes the causes of the problems in the credit risk
control of small and micro enterprises, including the lack of risk compliance
awareness of the credit personnel of QZ Bank, the limited access to customer
information, and the weak ability of scientific and technological research and
development.Then this paper puts forward countermeasures and suggestions for QZ
Bank to control credit risk of small and micro enterprises, including strengthening pre
loan investigation, building a scientific and effective credit rating system, improving
the
mechanism
of
loan
review,
improving
the
post-loan
management
system ,strengthening the system and credit team building.
The countermeasures and suggestions of this paper are helpful to the credit risk
III
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