商业银行贷款风险研究--以通商银行小微企业贷款为例

A Study on Loan Risks of Commercial Banks--A Case Study of the Small and Micro-sized Enterprises' Loan from Tongshang Bank

小微企业是我国混合制经济的重要组成部分,本文以通商银行为例,分析了小微企业贷款风控存在的问题,包括缺乏在细分市场基础上积极主动的市场营销体系、IT系统及信息数据相对落后、基于对信贷人员信任的风险防范存在隐患。据此,建议信贷员应独自对客户风险进行评估分析,并需要从客户的前期调查一直跟进到最终还款。

Small and micro-sized enterprises are an important part of mixed economy system in China. This study, taking Tongshang Bank as an example, analyzes the problems in the loan risk control of the small and micro-sized enterprises, such as: inactive marketing system based on market segmentation, underdeveloped IT systems and data, imperfect risk prevention measures, etc. So, it is suggested that loan officers should undertake the risk assessment analysis of their clients, and also need to follow up the loans from the pre-investigation to the final repayment.