摘要
小微企业是我国混合制经济的重要组成部分,本文以通商银行为例,分析了小微企业贷款风控存在的问题,包括缺乏在细分市场基础上积极主动的市场营销体系、IT系统及信息数据相对落后、基于对信贷人员信任的风险防范存在隐患。据此,建议信贷员应独自对客户风险进行评估分析,并需要从客户的前期调查一直跟进到最终还款。
Small and micro-sized enterprises are an important part of mixed economy system in China. This study, taking Tongshang Bank as an example, analyzes the problems in the loan risk control of the small and micro-sized enterprises, such as: inactive marketing system based on market segmentation, underdeveloped IT systems and data, imperfect risk prevention measures, etc. So, it is suggested that loan officers should undertake the risk assessment analysis of their clients, and also need to follow up the loans from the pre-investigation to the final repayment.
作者
马喜立
Ma Xili(Post - Doctoral Research Center of TsinghuaUniversity,Beijing 100084,China)
出处
《陕西工业职业技术学院学报》
2019年第2期69-71,共3页
Journal of Shaanxi Polytechnic Institute
基金
国家自然科学基金资助项目(项目编号:71603051)。
关键词
小微企业
贷款
风险控制
Small and micro-sized enterprises
Loans
Risk control
作者简介
马喜立(1983-),男,河北青县人,经济学博士,研究方向:资产管理、金融风险。
