N银行小微企业贷款信用风险管理现状研究
Investigation on Credit Risk Management of Small and Micro Enterprises in N Banks for Loans

本文以N银行为研究对象，通过分析该行对小微企业贷款的信用风险管理现状得知N银行小微企业贷款信用风险管理现阶段总的风险情况趋于多元化，虽然风险相对较大，但是呈下降趋势。同时，发现信用风险管理组织机构不够健全、管理制度建设滞后、风险计量需优化和人才队伍建设力度不够是目前面临的主要问题。另外，本研究结合目前N银行面临的主要问题从历史与现实角度剖析了存在问题的原因并提出相应对策。
In this work, the credit risk management situation of N bank’s loans to small and micro enterprises was studied. N banks have made some progress in the small and micro enterprises’ credit risk management which currently had a diversification risk. At present, although the risk is relatively high, it presents a downward trend. Meanwhile, it found that many problems including insufficient talent team constriction, the credit risk management organization not perfect, the management system construction lags behind and the risk measurement and risk control measure need to be optimized. In combination with the main problems of N bank at present, this study analyzed the causes of the existing problems from the historical and realistic perspectives and proposed corre-sponding countermeasures.