后疫情时代商业银行普惠型小微企业贷款业务风险管理研究  

Research on the Risk Management of the Loan Business of Inclusive Small and Micro Enterprises of Commercial Banks in the Post-pandemic Era

作　　者：杜王坤[1] DU Wangkun(Ningxia Hui Autonomous Region Branch,Agricultural Bank of China Co.,Ltd.Yinchuan,Ningxia 750001)

机构地区：[1]中国农业银行股份有限公司宁夏回族自治区分行,宁夏银川750001

出　　处：《中国商论》2022年第19期99-101,共3页China Journal of Commerce

摘　　要：普惠型小微企业是指银行业金融机构单户授信额度1000万元(含)以下的小微企业客户。2020年初爆发的新冠疫情给国内经济带来了巨大冲击,其中普惠型小微企业更为严重,其经营压力陡然增加,自身抗风险能力弱和流动性不足的先天缺陷被放大,按期偿还银行贷款本息出现困难。国家层面、监管部门和商业银行积极出台金融支持政策,先后采取加大信贷投放力度、实施延期还本付息政策、调整信贷结构等措施,帮助普惠型小微企业有序复工复产。目前,国内新冠疫情形势总体平稳,局部地区出现的本土聚集性疫情总体可控。本文在疫情防控常态化的背景下,对商业银行普惠型小微企业贷款业务现状进行分析研究,并对其风险管理工作提出相关建议,以期达到提升商业银行风险管理水平,促进普惠型小微企业信贷业务高质量发展的目的。Inclusive small and micro enterprises refer to small and micro enterprises whose single-family credit line of banking fi nancial institutions is or is less than 10 million yuan.The epidemic that broke out in early 2020 has brought a huge impact on the domestic economy.Inclusive small and micro enterprises suff er more.Their operating pressure has increased suddenly,and their inherent defects of weak anti-risk ability and insuffi cient liquidity have been magnifi ed.It is diffi cult to repay the principal and interest of bank loans on schedule.The government,regulatory authorities and com-mercial banks have actively introduced fi nancial support policies,and successively adopted measures such as increasing credit issuance,implementing policies of deferred repayment of principal and interest,and adjusting the credit structure to help inclusive small and micro enterprises resume work and production in an orderly manner.At present,the domestic epidemic situation is generally stable,and the local clustered epidemic in some areas is generally under control.Under the background that epidemic prevention and control are normalized,this paper analyzes and researches the current situation of commercial banks’loan business of inclusive small and micro enterprises and puts forward relevant suggestions for their risk management,to eff ectively improve the risk management level of commercial banks and realize the purpose of promoting the high-quality development of the credit business of inclusive small and micro enterprises.

关 键 词：后疫情时代 普惠型小微企业贷款 商业银行 延期还本付息 风险管理 

分 类 号：F830.33[经济管理—金融学]