小微企业商业银行信贷风险研究——以泰隆银行为例摘要：当今世界，小微企业在各个国家经济和社会发展中都起到了重要的作用。各国政府纷纷出台相关政策来保障小微企业的发展。在发达国家，小微企业的发展已经进入非常成熟、稳定的发展阶段。2014年以来，国务院连续出台促进小微企业发展的政策，足以见其在我国经济生活中的重要地位。这种盈利能力的衰退，直接导致小微企业面临的风险剧增，银行不得不刻意放缓甚至取消对其的信用贷款，各种投资渠道的投资意愿也相继减弱，融资困难成为小微企业当今面临的首要难题。开展商业银行的小微企业信贷风险研究，一方面能够解决小微企业融资难的问题，另一方面也能解决商业银行提升风险管理水平、转变经营模式的问题，进而对我国的经济增长发挥积极的推动作用。关键词：商业银行；小微企业；信贷风险；泰隆银行Abstract:intoday'sworld,smallandmicrobusinessesplayanimportantroleintheeconomicandsocialdevelopmentofvariouscountries.Governmentshaveintroducedpoliciestoprotectthedevelopmentofsmallandmicrobusinesses.Indevelopedcountries,thedevelopmentofsmallandmicrobusinesseshasenteredaverymatureandstablestageofdevelopment.Since2014,thestatecouncilhascontinuouslyissuedpoliciestopromotethedevelopmentofsmallandmicrobusinesses,whichisenoughtoseeitsimportantpositioninChina'seconomiclife.Theprofitabilityofarecession,asadirectresultofsmallmicroenterpriseshaveincreasedrisk,Bankshavetodeliberatelysloworevencancelthecreditloan,investmentinvariousinvestmentchannelsandabate,financingdifficultybecometheprimaryproblemofsmallmicroenterprisefacestoday.ResearchonthesmallmicroenterprisecreditriskofcommercialBanks,ontheonehand,abletosolvetheproblemsofthesmallmicroenterprisefinancingdifficulties,ontheotherhandalsocansolvethecommercialBankstoenhancethelevelofriskmanagement,changemanagementmode,andthentoourcountry'seconomicgrowthtoplayapositiverole.Keywords:commercialBanks;Smallandmicrobusinesses;Creditrisk;Tyronebank目录第一章绪论................................................................................................................................11.1研究背景及意义..............................................................................................................11.2研究内容及方法..............................................................................................................1第二章概念界定与相关理论.......................................................................................................32.1概念界定...........................................................................................................................32.1.1小微企业...............................................................................................................32.1.2商业银行信贷风险................................................................................................42.2相关理论...........................................................................................................................52.2.1信贷配给理论.......................................................................................................52.2.2信息不对称理论....................................................................................................52.2.3小微企业信贷风险...............................................................................................6第三章泰隆银行小微企业信贷风险现状分析...........................................................................73.1泰隆银行简介............
