I摘 要近几年，我国小微企业发展迅速，逐步成为国民经济中不可或缺的重要力量，小微企业在促进就业岗位增加、激发创新活力、推动经济增长等方面发挥着不可替代的作用。但是小微企业由于生产经营规模小、财务信息真实性不强、受经济周期以及行业周期波动影响大等原因，其信用评级较低、投资风险较大，所以小微企业的融资渠道较少。因此小微企业融资难、融资贵已成为其在发展过程中的常态化问题。商业银行的信用贷款作为小微企业主要的融资渠道，商业银行在为其办理信贷业务的过程中，面临着很多不确定风险，这就阻碍了商业银行信贷风险管理工作的进一步开展。因此，如何防控小微企业信贷风险、促进商业银行与小微企业持续发展已成为当务之急。本文以兴业银行为研究对象，通过阅读关于商业银行信贷风险管理的国内外文献，在界定小微企业、商业银行信贷风险管理概念、类型的基础上，分析兴业银行小微企业信贷风险管理问题，结合兴业银行信贷风险管理现状,从风险管理组织架构等方面分析产生问题的原因，最后从贷前预防、贷中审查以及贷后管理等方面提出相关对策建议。关键词：小微企业；兴业银行；信贷风险IIAbstractIn recent years, China's small and micro enterprises have developed rapidly, and gradually become an indispensable and important force in the national economy. Small and micro enterprises have played an irreplaceable role in promoting economic growth, promoting job creation, and stimulating innovation.However, due to the small scale of production and operation, the lack of authenticity of financial information, and the large impact of economic cycles and industry cycle fluctuations, small and micro enterprises have low credit ratings and large investment risks, so small and micro enterprises have fewer financing channels. Therefore, it is difficult for small and micro enterprises to raise funds, and expensive financing has become a normal problem in the development process. As the main financing channel for small and micro enterprises, the credit loans of commercial banks face many uncertain risks in the p...
