A Dissertation Submitted to
Southeast University
For the Academic Degree of Master of Business Administration
BY
GU Yunfeng
Supervised by
XU Kangning
Department of Economics and Management
Southeast University
2021
摘
要
中国建设银行A分行中小企业信贷风险管理研究
学校：东南大学
研究生：顾云峰
导师：徐康宁
摘要
中小型企业拥有广泛的社会经济基础，是信贷国民经济的重要组成。我国约97%的
企业可以被分类为中小企业，中小型企业与其他企业相比具有独特性：中小型企业可以
缓解就业压力，促进城乡经济发展，满足城乡居民的个性化需求和多样化需要，进一步
优化产业结构，激发科技创新能力，刺激地区财政收入，从而带动国家经济的发展，在
经济发展中具有不可替代性。但是，受市场需求下降、宏观经济波动、融资难度较大、
人力成本上升等因素的影响，缺乏抗风险能力的中小企业信贷资产质量持续恶化。目前
对大多数中小企业而言，其自身长远发展和融资渠道越来越受到商业银行信贷管理体系
的制约和阻碍。
基于上述研究背景，本论文通过找出信贷风险管理的薄弱环节和导致中小企业信贷
风险产生的原因，完善中小企业制度，建立与中小型企业相符的信用评级体系，为建立
和完善中小型企业信贷风险管理流程提供建设性思路。首先，本文对研究背景与意义、
研究内容、方法与思路以及本文的创新点进行阐述，并对国内外关于信贷风险管理的相
关文献进行了梳理和归纳，明确了本文相关的理论基础。其次，对中国建设银行A分行
中小企业信贷业务现状及信贷风险管理现状进行分析，在此基础上构建了中国建设银行
A分行中小企业信贷风险识别与评估指标，运用层次结构模型，通过yaahpV10.5软件
计算指标权重，并对结果进行了评价，最后探讨了中国建设银行A分行中小企业信贷风
险管理存在问题及解决方案。研究结论显示：A分行在中小企业信贷风险管理方面存在
的一些问题，如贷前中小企业信用评级标准不够完善、信贷风险管理体制存在一定缺陷，
信贷风险控制能力不强、考核标准不到位等，A分行有必要进一步改进中小企业信贷业
务流程、建立适合中小企业的信用评级体系、强化风险控制能力、建立贷款激励机制。
关键词：中小企业；风险管理；信贷风险；评价体系
I
东南大学工商管理硕士学位论文
Research on credit risk management of small and medium-sized
enterprises in A branch of China Construction Bank
Written by: GU Yunfeng
Supervised by: XU Kangning
Southeast University
ABSTRACT
Small and medium-sized enterprises are an important part of the modern national
economy and have a broad social and economic foundation. About 97% of enterprises in my
country are small and medium-sized enterprises. Due to their own characteristics， small and
medium-sized enterprises are alleviating employment pressure，activating the urban and
rural economy，and satisfying people's diversity and personality. It plays an irreplaceable
role in promoting the development of my country’s economy，and so on. However，
affected by factors such as falling market demand， falling product prices， or even upside
down， rising labor costs， and increasing financing difficulties， the quality of credit assets
of smalland medium-sizedenterprises with weakanti-risk capabilitiescontinues to
deteriorate. At present， for most SMEs，their own long-term development and financing
channels are increasingly restricted and hindered by the credit management system of
commercial banks.
Based on the above-mentioned research background，this paper aims to find out the
reasons for the credit risk of SMEs and the weak links of credit risk management， improve
the SME system， create a more suitable credit rating for SMEs，and provide a basis for
standardizing the credit risk management process of SMEs. reference. First of all，the
research background and significance of this article， the research content， methods and
ideas， and the innovations of this article are described， and the relevant literature on credit
risk management at home and abroad is combed and summarized， and the relevant
theoretical basis of this article is clarified. Secondly，it analyzes the current status of SME
credit business and credit risk management of China Construction Bank A branch，and builds
the credit risk identification and evaluation indicators for SMEs of China Construction Bank
A branch on this basis， using the hierarchical structure model， through yaahp V10.5 The
software calculates the index weights and evaluates the results. Finally，the problems and
countermeasures in the credit risk management of SMEs in Branch A of China Construction
II