近年来随着经济下行压力加大,小微企业的生存空间进一步压缩,同时商业银行小微信贷发展也困难重重。本文认为小微信贷风险管理中存在风险系统不完善、贷款三查存在缺失、批量渠道监管不足、业务集中度过高、二级分行风险偏高等问题。指出了粗放式管理、对渠道业务的过度依赖、对二级分行风险管控不严等是造成A行小微风险高企的原因。并提出包括完善风险系统、加强渠道监管、控制集中度、优化经营模式、采用二级分行风险垂直管理等建议,希望为A行提升小微风险管理水平有所借鉴。 In recent years, with the downward pressure on the economy, the living space for small and micro enterprises has been further reduced. Meanwhile, the development of small and micro credit banks in commercial banks has also been hard-pressed. This paper argues that there are some problems in the credit risk management, such as the imperfect risk system, the third check of loans, the insufficient supervision of bulk channels, the high concentration of business and the high risk of secondary branches. It points out that extensive management, over-reliance on channel business and poor risk control of secondary branches are the reasons for the high risk of small-A-banks. He also proposed some suggestions, including improving the risk management system, strengthening channel supervision, controlling concentration, optimizing business model and adopting vertical risk management of secondary branches. It is hoped that this will help to improve A-bank’s risk management.