自2008年民生银行开展小微金融业务以来，历经以商贷通为主、融资服务方便快捷的“小微1.0”向通过结算、提升作业效率和综合服务配套体验的“小微2.0”、以及“科技+数据”驱动的“小微3.0”新模式转变的三个主要阶段，并逐步形成一套可持续的小微金融服务体系。本文在梳理民生银行小微金融业务模式、产品销售、信贷授信流程、贷后管理的基础上，以降低融资成本和金融服务门槛、有效风险管理作为研究视角，从民生银行风险管理的现状、存在的问题、风险管理理念的构建、风险管理机构设置、风险的识别、风险管理流程等方面着手分析，并提出借助大数据、人工智能等科学技术提升风险控制能力，优化小微金融风险管理体系，营造普惠金融生态圈等方面的策略建议。对现阶段疫情冲击下运用现代信息科学技术手段赋能小微金融，缓解小微企业“融资难、融资贵”、普惠金融“最后一公里”、推动金融业数字化转型发展等有一定的借鉴意义。

关键词：科技金融、小微金融、风险管理体系

Ever since Minsheng Bank initiated the small and micro financing business in 2008, it has developed from the “small and micro 1.0” which is mainly based on commercial loan and quick and easy financing service to the supporting experience of “small and micro 2.0” through settlement, improving operation efficiency and a comprehensive service, and “small and micro 3.0” which is driven by “technology + data”. It has gradually established a set of sustainable small and micro financial service system. While sorting out the small and micro financial business models, product, sales, credit process and post loan management of Minsheng Bank, from the perspective of reducing financing cost, lowering financial service threshold, and effective risk management, this article will analyze the current situation, the existing problems, the construction of risk management concept, risk management organization setting, risk identification and risk management flow of Minsheng Bank and will put forward proposals to enhance risk control capability, optimize the small and micro financial risk management system, and create inclusive financial ecosystem through the use of big data, artificial intelligence and other science and technology. It will serve as a reference when, under the impact of the pandemic, we use modern information science and technology to empower small and micro finance, alleviate the difficulty and high cost in financing for small and micro enterprises, the final kilometer of inclusive finance, and promote the digital transformation and development of financial industry.

Keywords: Scientific and Technological Finance, Small and Micro Finance, Risk Management System