I摘要伴随我国改革创新不断深入，小微企业在我国经济发展中的作用越来越显著，现阶段已将会成为我国稳就业和经济发展的助助推器之一，但小微公司的筹资难也得到了社会各界的广泛关注。与大型企业相比较，小微企业具有财务管理不规范，经营规模较小，抗风险能力差的特点，金融机构对小微企业的融资贷款风险控制工作有特加强。为小微企业提供融资服务是我国银行机构的重点工作，健全小微企业融资的风险控制体系非常重要。为推进小微企业融资相关工作的规范进行，必须探索小微企业融资风险控制的有效方式。这就需要各商业银行分析小微企业融资业务的特点，健立健全与小微企业运营业务相适应的险防控制度，又必须遵循信用风险管理原则，以确保业务的正常开展。本文主要研究建设银行沈阳分行如何应对小微企业融资的风险管理。首先对信贷风险的定义进行说明，然后详述了有关个贷风险的类型及特点，认知小微企业的融资贷款的风险源由，然后针对目前的建设银行沈阳分行小微企业信贷现状进行了分析，结合对客户经理等人员的访谈数据了解建设银行沈阳分行的基本情况，对现行的建设银行沈阳分行信贷业务模式和风险管控办法进行整合，通过对现行建设银行沈阳分行小微企业信贷状况以及客户经理的阐述，调研分析建设银行沈阳分行实施小微企业贷款工作中出现的风险控制问题，最后对于前述问题提出相应措施和参考意见。关键词：信贷风险；风险管理控制体系；贷后管理IIAbstractWiththecontinuousdeepeningofmycountry’sreformandinnovation,theroleofsmallandmicroenterprisesinmycountry’seconomicdevelopmenthasbecomemoreandmoresignificant.Atthisstage,theywillbecomeoneoftheboostersforstableemploymentandeconomicdevelopmentinmycountry.However,itisdifficultforsmallandmicrocompaniestoraisefunds.Ithasreceivedextensiveattentionfromallwalksoflife.Comparedwithlarge-scaleenterprises,smallandmicroenterpriseshavethecharacteristicsofnon-standardfinancialmanagement,smallerscaleofoperation,andpooranti-riskability.Financialinstitutionshaveparticularlystrengthenedthecontroloffinancingandloanrisksforsmallandmicroenterprises.Providingfinancingservicesforsmallandmicroenterprisesisakeytaskofmycountry'sbankinginstitutions,anditisveryimportanttoimprovetheriskcontrolsystemforsmallandmicroenterprisefinancing.Inordertopromotethestandardizationoffinancingrelatedworkforsmallandmicroenterprises,itisnecessarytoexploreeffectivemethodsforcontrollingfinancingrisksforsmallandmicroenterprises.Thisrequirescommercialbankstoanalyzethecharacteristicsofthefinancingbusinessofsmallandmicroenterprises,establishasoundriskpreventionandcontrolsystemthatiscompatiblewiththeoperationofsmallandmicroenterprises,andmustfollowtheprinciplesofcreditriskmanagementtoensurethenormaldevelopmentofbusiness.ThisarticlemainlystudieshowtheShenyangbranchofChinaConstructionBankrespondstotheriskmanagementofsmallandmicroenterprisefinancing.First,thedefinitionofcreditriskisexplained,andthenthetypesandcharacteristicsofpersonalloanrisksaredescribedindetail,andthesourceoftheriskoffinancingloansforsmallandmicroenterprisesisrecognized,andthenthecurrentsituationofsmallandmicroenterprisecreditinShenyangBranchofChinaConstructionBankiscarriedout.Analyze,combinetheinterviewdatawithcustomermanagersandotherpersonneltounderstandthebasicsituationofCCBShenyangbranch,integratethecurrentCCBShenyangbranchcreditbusinessmodelandriskcontrolmeasures,andthroughthecurrentCCBShenyangbranchsmallandmicroenterprisecreditstatusandTheaccountmanager'sexplanation,researchandanalysisoftheriskcontrolproblemsintheimplementationofsmallandmicroenterpriseloansbytheShenyangBranchofChinaConstructionBank,andf...
