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1、商業(yè)銀行小微企業(yè)貸款業(yè)務(wù)與風險控制研究平安銀行為例，重點分析平安銀行小微企業(yè)信貸的風險研究與管理模式，并結(jié)合實際，對銀行如何完善風險控制，建設(shè)合理的的小微信用評級體系，以及風險測算模型，小微企業(yè)信貸準入標準，產(chǎn)品的研發(fā)與改進等各個方面提出了中肯的建議與意見。關(guān)鍵詞：小微企業(yè)、金融機構(gòu)、風險II山東農(nóng)業(yè)大學(xué)碩士學(xué)位論文AbstractSmallandmicroenterprisesarethesmallestofChina’Seconomyeconomicentities，tostabilizeChina'seconomicgrowth，expande
2、mploymentchannels，increaserevenue，andmaintainsocialstabilityplaysanirreplaceableroleinChina‘Seconomicgrowthisthemainforce，butduetotheinfluenceinthepolicy，resultinginrisingrawmaterialcosts，shippingordersatrophy，operatingproblemshavebecomeincreasinglyprominent，SOsmallandmicroente
3、rprisesneedcapitalfinancing，howeversmallandmicroenterprisesinrealityleadtodifficultiesinfinancingsmallandmicroenterprises，businessisdifficult，whichhasbecomeanurgentproblemtocrack。Today，inmostofthedomesticmarketshareinthejoint-stockbanksintheextemalcompetitionandinternalassessme
4、ntofpressuresurgeinprofitsdoublebackground，constantlypuRinginalotofmanpower，materialandfinancialresources，theestablishmentoftheSMEsectorandevensmallmicro-enterpriseteam，variouscommercialbankssmallandmicrobusinessesinthecreditbusinessastheBank’Snewprofitgrowthpoint，thusspeedingu
5、pthetransformationofthetraditionalmodelofabreakthroughinthelineofbusiness，toseizemarketshare．Butinthecorporatecreditratingandcreditaccessstandardbusinessperspective，thequestionofriskofsmallmicro—enterprisecreditriskandthesizeofthebankblockedthestepsforward，SOcreditriskcontrolha
6、sbecomeaproblemforSMEsvariouscommercialbanksTheurgentneedtoaddressthefinancingdifficulties，loans，directimpactonthedevelopmentofenterprises．Therefore，howtochangetheexistingcreditmodelofcommercialbanks，givingsmallandmicroenterprisestoprovidefinancialsupportandtoguardagainsttheris
7、ksofloanstosmallandmicroenterprisestopromotetheirgooddevelopmenthasbecomeanimportantissueurgentneedtoaddressthemajorcommercialbanks．Inthispaper，thebusinessperspectiveofdomesticcommercialbanks，andtheintegrationofthevariouscommercialbankscreditratingandriskcontrolprograms，combine
8、dwiththeactualneeds，presentedacompletesetofnewsmalland
