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1、萬方數(shù)據(jù)supervisionandinspectionmechanismofriskidentificationriskidentification，creditrating，creditriskpricingmechanism．Onthebasisoftheaboveanalysis，thispaperputforwardthecountermeasureoftheShanxibranchofChinaConstructionBankfxomtwoaspectsofbusinessprocessesandma
2、nagementmechanismtoimprovethemanagementofcreditriskSmallandmicrobusinesses．Includingthebusinessprocessofriskmanagementmeasures：diversifiedinformationcollection，strictloanbeforethereview；theintroductionofinternationaladvancedratingtools；inspectioneffortsandimp
3、roveriskearlywarningmechanismincreasethecredit；strengthenthemonitoringandauditingmechanisms；improvethecreditriskmanagementandtheriskofdigestivesystem．Includingthemanagementmechanismofriskmanagementmeasures：optimizethecreditproductdesign，richservicesystem；stre
4、ngthenthecreditofficersinauguration，exitandrotationsystem；constructionofriskmanagementinformationsystem；creditbusinessorganizationstructurereformSmallandmicrobusinesses，optimizetheorganizationalprocess；theestablishmentofriskpreventioncultureexcellent．Keywords
5、：ConstructionbankofChina；Creditingofsmallandmicrobusiness；Riskmanagement；Businessprocess；ManagementmechanismⅣ萬方數(shù)據(jù)目錄1緒論?????????????????????????????????????????????11．1研究背景和意義??????????????????????????．11．1．1本文研究的背景????????????????????????l1．1．2本文研究的目的和意義?????
6、????????????????21．2國內(nèi)外研究綜述??????????????????????????．31．2．1信貸風(fēng)險管理的文獻綜述????????????????????31．2．2小微企業(yè)信貸風(fēng)險管理文獻綜述?????????????????51．2．3研究述評???????????????????????????71．3本文研究的內(nèi)容與方法???????????????????????．71．3．1本文研究的內(nèi)容????????????????????????71．3．2本文研究的方法??????
7、???．．．??????????????81．3．3本文預(yù)期創(chuàng)新點????????????????????????92相關(guān)概念及理論?????????????。??????????????一112．1小微企業(yè)信貸的相關(guān)概念??????????????????????112．1．1小微企業(yè)的概念及特點????????????????????．112．1．2信貸風(fēng)險的概念???????????????????????．142．2相關(guān)理論基礎(chǔ)???????????????????????????142．2．1信息不對稱
8、理論???????????????????????．142．2．2企業(yè)生命周期理論??????????????????????．152．2．3信貸配給理論????????????????????????．152．2．4交易費用理論????????????????????????．163建設(shè)銀行山西分行小微企業(yè)信貸業(yè)務(wù)現(xiàn)狀?????????????????．173．1建設(shè)銀
