广西城市商业银行小额信贷业务风险管理问题研究

Discussion on the Microfinance Business Risk Management of Guangxi City Commercial Bank

随着宏观经济不确定性增强和小额信贷业务规模的扩大,全国各省区城市商业银行在进一步发展小额信贷业务过程中相继面临着风险管理问题,极大地破坏了其对中小企业提供金融支持的积极性。本文从城市商业银行小额信贷业务发展历程入手,重点分析广西三大城市商业银行——北部湾银行、桂林银行和柳州银行小额信贷业务风险管理现状,指出其与大型国有控股商业银行和其他类型商业银行风险管理问题的差异性,紧密结合广西区域运作的特征和区域经济金融发展特点,对三大行小额信贷业务风险管理提出具有针对性的对策建议,以促进广西城市商业银行小额信贷业务健康、有序发展,助力广西中小企业和地方经济发展。

With macroeconomic uncertainty enhancing and microfinance business scale expanding,city commer-cial banks in the provinces and regions have been faced with the risk management problems in the further developmentof microfinance business. This will greatly undermine city commercial banks to provide financial support for small andmedium enterprises. We analyze the status quo of three cities commercial banks microfinance business risk manage-ment in Guangxi,pointing out its difference with other banks and putting forward suggestions by combining the charac-teristics of regional economic development. It will promote Guangxi city commercial bank microfinance business＇ s de-velopment healthy and orderly,help the development of small and medium enterprises and local economy.