摘要
摘要
小微企业是我国创新体系中最基础且最具活力的基本细胞，对经济发展贡献巨大。
发展普惠金融，助力小微企业降低融资成本，提高融资效率，是在当前经济大环境下
发展实体经济，维持社会稳定的重要途径。J银行响应国家政策，将普惠金融作为自
身的发展战略之一。2018年以来，小微企业贷款余额不断增长，业务发展迅速。由于
小微企业自身抗风险能力弱，信用风险不断暴露，普惠金融贷款违约率逐年上升，因
此，加强普惠金融业务风险管理，不仅能够减少商业银行信贷资产损失，也能够进一
步解决小微企业融资难的问题。
本文以 J银行 SX分行为研究对象，以风险理论及信贷理论为基础，对 J银行SX
分行普惠金融业务模式和风险管理进行分析。文章分析了 J银行 SX分行在风险识别、
风险评估、风险控制和风险评价过程中存在的问题，发现 J银行SX分行普惠金融业
务在风险管理方面存在小微企业信息不对称，信用风险识别不到位，操作风险极易发
生，营销队伍梯队建设及线上模式贷款风险评估缺失、风险控制手段有限，贷后管理
动作缺漏等问题。在此基础上，提出了 J银行SX分行还应加强贷款贷前调查，预防
小微企业信息不对称问题及准确识别信用风险；培养业务人员合规意识，完善业务人
员梯队建设，减少操作风险的发生以及增加线上贷款风险评估，应用大数据做好风险
控制，完善贷后管理工作等相应的改进措施，以帮助 J银行SX分行提升普惠金融业
务风险管理水平。
关键词:普惠金融；风险管理；商业银行
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西北大学硕士学位论文
Abstract
Small and micro enterprises are the most potential and active part of China’s innovation
system，they are an important carrier for mass entrepreneurship and innovation, and they
have made great contributions to economic development. Therefore, developing inclusive
finance and solving the financing difficulties of small and micro enterprises are important
strategies in the current economic situation. To respond to the national policy, J Bank takes
inclusive finance as one of its own development strategies. Since 2018, the loan balance of
small and micro enterprises has continued to grow, and the business has developed rapidly.
However, Due to the weak ability of small and micro enterprises to resist risks and the
continuous exposure ofcredit risks, thedefault rate ofinclusive financial loans has
increased year by year. Therefore, strengthening the risk management of inclusive financial
services can not only reduce the credit asset losses of commercial banks, but also further
solve the problem of financing difficulties for small and micro enterprises.
This article is conducted in J Bank SX branch, analyzes the inclusive financial business risk
management of J Bank SX branch. It analyzes the problems existing in the process of risk
identification, risk assessment, risk control and risk evaluation in J Bank SX branch, finds
out that theinclusive financial business ofJ Bank SX branchhas problems in risk
managementsuchasinformationasymmetry,inadequatecreditriskidentification,
operational risks are prone to occur, lack of risk assessment of online loans and compliance
awareness of the marketing team,limited risk control methods and lack of post-loan
management actions etc. To solve these problems, the pre-lending investigations of J Bank
SX branch should bestrengthened to prevent itself from informationasymmetry and
accurately identify credit risks. J Bank SX branch also should cultivate the compliance
awareness of business personnel, improve the echelon construction of business personnel,
and reduce the occurrence of operational risks. Strengthen the application of big data,
improve the risk control process of online products are effective measures to enhance the
risk management level of inclusive financial businesses of J Bank SX branch as well..
Keywords: inclusive finance, Risk Management, commercial bank
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