城市商业银行小额信贷项目风险控制研究

发布时间：2018-02-26 11:20

本文关键词： 商业银行小额信贷风险控制　出处：《法制与社会》2013年10期 　论文类型：期刊论文

【摘要】：城市商业银行的前身是城市信用合作社,而后随着金融制度的改革和股份制改革发展成为现在的城市商业银行。因此,城市商业银行出现时期的特殊性注定了它的发展先天不足,后天难补。业务资金周转紧缺,信贷项目单一,吸收存款能力弱,风险控制能力不强。虽然随着城市化进程的加快有了一定的发展,但是发展的力度还有待增加,要提升城市商业银行的竞争力就必须拓宽业务途径,积极发展小额信贷业务,并做好其风险控制。
[Abstract]:The predecessor of the city commercial bank is the city credit cooperative, then with the reform of the financial system and the reform of the stock system, the city commercial bank becomes the city commercial bank now. The particularity of city commercial bank during the emergence period doomed its development to be deficient in nature and difficult to make up the day after tomorrow. There is a shortage of business capital turnover, a single credit project, and a weak ability to absorb deposits. The ability of risk control is not strong. Although there has been a certain development along with the acceleration of the urbanization process, the strength of the development needs to be increased. In order to enhance the competitiveness of urban commercial banks, it is necessary to broaden the business channels and actively develop the micro-credit business. And do a good job of its risk control.
【作者单位】：中国注册会计师协会业务监管部门;
【分类号】：F832.4

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