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1、STUDYONTHEREFORMANDINNOVATIONOFRISKMANAGEMENTOFCOMMERCIALBANKSMALLANDMICROBUSINESSES--WITHMINSHENGBANKASANEXAMPLEABSTRACTInChina'snationaleconomy,smallandmedium-sizedenterprisesespeciallysmallenterprisesconstitutethebasisandsubject,butalsotopromotethesmoothdevelopment
2、ofoureconomy,thepremisetoensuresocialstability.Especiallyinthestableemploymentrate,optimizetheexistingeconomicstructure,obviouslytheroleofsmallfirms.Butinourcountry,smallbusinessfinancingdifficultiesprevalentphenomenon.Themainreasonisthatthecurrentcommercialbanksinloa
3、ns,moreistoconsiderthelargeenterprises,thelackofsmallbusinessconcerns.Thebasicreasonisthatthesmallenterprisessmallscale,operatingconditionsofinstability,thecreditriskisbig,thelackofcollateralloaneffectively,highcostetc..Thesefactorsleaddirectlytothebanksmallbusinesscr
4、editbusinesswillnotputinimportantposition,greatlyreducingthefinancinganddevelopmentofsmallenterprises.Currently,theMinshengBankprovidescreditbusinessasourcountryinsmallmicroenterprisepioneerandleader,continuousexplorationofprovidingfinancialservicesto万方数据domesticsmall
5、microenterprise,inthemanagementandpreventionofsmallmicroenterprisecreditriskontheaccumulatedvaluableexperiencemore.Inthispaper,combinedwiththisbackground,theMinshengBankastheresearchobjecttosummarizethecurrentstageofChina'scommercialbanksinthemicrocreditbusinessinnova
6、tionexperienceanddetailedstudyofcommercialbanksmallmicroenterprisecreditriskmanagement,inordertoprovidesomereferenceandreferencetothesameindustryinthefuturetheimplementationmechanismofthesmallmicroenterprisefinancialservices.KEYWORDS:Commercialbanks,Smallandmicrobusin
7、esses,riskmanagement万方数据目录前言........................................................................1第1章相关理论概述.........................................................31．1小微企业的内涵.........................................................31．2小微企业信贷的相关理论..................
8、...............................41.2.1“麦克米伦缺口”理论分析................................................41.2.2信息不对称理论分析............
