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小企业贷款作为邮储银行的战略性零售业务,在满足邮储银行自身发展和小企业金融需求、支持地方经济建设上发挥着积极作用。从国内实践来看,随着以最低资本要求、监督检查程序和市场约束为三大支柱的《巴塞尔新资本协议》、补充逆周期资本附加、资本留存缓冲要求的《巴塞尔资本协议Ⅲ》等监管标准的陆续引入和金融监管工具的逐步丰富,我国银行业监管水平不断提高。在新的经济金融环境下,如何改进小企业贷款风险管理以满足监管要求、确保业务稳健发展,笔者进行了一些思考。
As a strategic retail business of the Postal Savings Bank, small business loans play an active role in meeting the development needs of the postal savings banks and the financial needs of small businesses and supporting local economic development. From the point of view of domestic practice, with the Basel Capital Accord with the minimum capital requirements, supervision and inspection procedures and market restraint as the three pillars, the Basel Capital Accord III, which supplements the counter-cyclical capital addition and capital retention cushion requirements, And other regulatory standards have been gradually introduced and the gradual enrichment of financial regulatory tools, China’s banking supervision continues to improve. Under the new economic and financial environment, how to improve the risk management of small business loans in order to meet the regulatory requirements to ensure the steady development of business, the author made some thinking.