疆尉犁县农商银行小微企业信贷风险管控存在的问题及对策分析

新疆尉犁县农商银行小微企业信贷风险管控存在的问题及对策分析摘要疫情发生以来，国内实体经济感受到巨大经营压力，小微企业作为实体经济的重要构成部分也遭受到前所未有的挑战，因而从中央到地方相继出台了一系列商业银行用以缓解小微企业经济资金紧张的信贷政策。我国商业银行的收益主要来自于贷款业务，那么在贷款业务开展过程中，不可避免会产生风险。在受疫情影响的新经济态势下，商业银行需要重视对风险的管控。另外，由于小微企业的经营特点决定其极易受外界经济市场环境影响，虽然疫情己趋于常态化，但国外疫情依然充满不确定性，小微企业生产经营还是存在各种风险。国家非常重视商业银行在经济环境中的作用，同时也不断鼓励商业银行加大对实体经济的支持力度，因此如何采取有效措施管控商业银行信贷风险，使之在未来市场大环境中取得长效发展己成为当前迫切需要解决的重要课题。本文以尉犁县农商银行小微企业信贷风险管控作为研究的课题，在研究的过程当中，运用了访谈法对尉犁县农商银行工作人员进行提问，对其回答进行了整理和分析，并且在研究的过程当中融入了自身的看法和见解。首先，对商业银行对小微企业信贷风险管控概述等内容进行阐述，通过对尉犁县农商银行对小微企业信贷风险管控的现状调查分析，得出了尉犁县农商银行对小微企业信贷风险管控存在小微企业信贷风险管控机制方面、小微信贷业务授信管理方面、小微贷后风险管理方面等问题，则针对存在的不足提出了有效的解决对策。以期通过本文的研究能够丰富这一内容的理论研究，并且也可以为尉犁县农商银行小微企业信贷风险的管控提供一定的帮扶和借鉴。关键词：尉犁县农商银行：小微企业：信贷风险管控AbstractSince the outbreak of the epidemic,the domestic real economy has felt great operatingpressure,and small and micro enterprises,as an important part of the real economy,have alsofaced unprecedented challenges.Therefore,a series of credit policies of commercial bankshave been issued from the central government to the local government to ease the financialconstraints of small and micro enterprises.The income of China's commercial banks mainlycomes from the loan business,so in the process of developing the loan business,risks willinevitably arise.Under the new economic situation affected by the epidemic,commercialbanks need to pay attention to risk management and control.In addition,because of theoperating characteristics Small and micro enterprises are easily affected by the externaleconomic environment and market environment.Although the epidemic situation has becomenormal,the epidemic situation abroad is still full of uncertainty,and there are still variousrisks in the production and operation of small and micro enterprises.The state attaches greatimportance to the role of commercial banks in the economic environment,and constantlyencourages commercial banks to increase their support for the real economy.Therefore,howto take effective measures to control the credit risks of commercial banks,so that they canachieve long-term development in the future market environment,has become an urgent andimportant problem to be solved.This paper takes the credit risk management and control of small and micro enterprisesby Yuli Rural Commercial Bank as the research topic.In the research process,the interviewmethod is used to ask questions to the staff of Yuli Rural Commercial Bank,sort out andanalyze their answers,and integrate their own views and opinions into the researchprocess.Firstly,the overview of credit risk management and control of small and microenterprises by commercial banks is described.In Yuli county agricultural bank for small microenterprise credit risk control analysis of the status of the investigation was carried out,obtained the Yuli county agricultural bank for small micro enterprise credit risk control issmall,small micro enterprise credit risk control mechanism of micro credit business creditmanagement,small micro credit risk management and other issues,after