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近年来随着存贷款利息差的逐渐缩小,越来越多的商业银行把零售贷款的投放重心从房贷业务转向小微企业贷款业务,从更高的利差信贷业务上赚取更多的利润。初步用ftp利差计算年日均1亿元的房贷业务当年利息收入约为118万元,净利息收入约为50万元,而小微企业贷款业务利息收入约为房贷业务利息收入的5倍。大力发展小微企业贷款业务能为银行带来更高的利润,但小微企业贷款的风险同时也远远高于房贷业务。银监会公布截至2016年末商业银行不良贷款率1.81%,创下近7年最高水平。通过数据整理和调查研究发现,小微企业贷款存在受经济周期、信用体系、风险法规体系、管理体系的诸多风险。
In recent years, with the gradual narrowing of deposit and loan interest spread, more and more commercial banks shifted the focus of retail loans from mortgage business to small and micro enterprise loan business, making more profits from higher spread credit business . Initial calculation of the mortgage loan business with a daily average of 100 million yuan using the ftp spread The interest income for the year was about 1.18 million yuan and the net interest income was about 500,000 yuan while the interest income from the loan business for small and micro enterprises was about 5 times the interest income from the mortgage business . Vigorously developing small and micro enterprise loan business can bring higher profits to the bank, but the risk of micro and micro enterprise loan is also far higher than the mortgage business at the same time. The CBRC announced that as of the end of 2016, the non-performing loan ratio of commercial banks was 1.81%, setting the highest level in nearly seven years. Through data collation and investigation, it is found that loans to small and micro enterprises are subject to many risks of economic cycle, credit system, risk law system and management system.