摘 要
随着金融全球化、电子化进程的加快，国际金融市场一体化与自由化的稳步推进，各国或地区对金融监管的日益加紧。这使得当前我国经济发展正处于十分关键时期，这对已经全面对外开放的我国银行业的风险管理体制、技术和水平都提出了严峻的挑战。尤其是和西方发达国家的商业银行作比较，我国银行仍旧是以小微信贷业务作为利润的主要来源，那么在目前我国银行所面临的各种风险中，小微信贷风险便成为银行经营过程中所面临最重要的、最致命的风险，中国农业银行呼和浩特迎宾支行不例外。
本文共分为部分，第一部分是对小微信贷风险管理相关概念进行界定，第二部分是对中国农业银行呼和浩特迎宾支行小微信贷风险管理的现状进行简要概括，第三部分是对中国农业银行呼和浩特迎宾支行小微信贷风险管理中出现的问题进行分析，第四部分是对中国农业银行呼和浩特迎宾支行的小微信贷风险管理提出合理的改善建议。
关键词：农业银行；小微信贷风险；风险管理
Abstract
With the speeding up of the process of financial globalization, electronic, steadily push forward the international financial market integration and liberalization, countries or regions increasingly tightening of financial regulation. Which makes the current economic development in our country is in a crucial period, the already comprehensive opening to the outside world of China's banking risk management system, the level of technology and puts forward the severe challenges. Especially the commercial Banks and the western developed countries, China's Banks are still in credit business as the main source of profits, so in the current our country bank faces various kinds of risk, credit risk has become the bank faces in the process of operation is the most important, the most deadly risk, zichang county branch of agricultural bank of China is no exception.
This article is divided into parts, the first part is defining the relevant concepts of credit risk management, the second part is the zichang county branch of agricultural bank of China is briefly summarized the present situation and problems of credit risk management, the third part is the zichang county branch of agricultural bank of China credit risk management problems were analyzed, and the fourth part is to the zichang county branch of agricultural bank of China put forward reasonable proposals to improve the credit risk management
Keywords：Agricultural bank of China; Credit risk; Risk management
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