科技创新类中小企业是国家创新驱动发展战略的重要支撑，但其融资难题依然突出。Z银行Y分行积极探索科技金融服务，通过创新信用贷款模式有效支持科创企业发展，但同时也面临较大的信用风险挑战。

         本文以Z银行Y分行科技创新类中小企业信用贷款业务为研究对象，采用层次分析法和模糊综合评价法，构建包括行业风险、财务风险、操作风险与经营风险四个一级指标、十三个二级指标的信用风险评价指标体系，对各类风险因素进行全面识别与量化评估。研究发现，目前Z银行Y分行科技信贷业务整体风险可控，但贷中审批执行环节和贷前经营风险尽调环节相对薄弱，是风险管控的关键突破口。因此，本文提出聚焦薄弱环节的针对性管控对策，建议通过“四眼审批”、智能预警闭环和闭环回访抽查机制，精准解决审批流程冗余和尽职调查深度不足的问题，实现对风险的动态管控和主动防御。

         研究成果有助于Z银行Y分行提高科技创新类中小企业信用贷款的风险管控水平，降低不良率，优化金融服务质量，并为银行业同类业务风险管理提供参考。

         Technology innovation oriented small and medium-sized enterprises are an important support for the national innovation driven development strategy, but their financing difficulties remain prominent. Z Bank Y Branch actively explores technology finance services and effectively supports the development of science and technology innovation enterprises through innovative credit loan models.

           This article takes the technology innovation credit loan business of Z Bank Y Branch for small and medium-sized enterprises as the research object. Using the Analytic Hierarchy Process and Fuzzy Comprehensive Evaluation Method, a credit risk evaluation index system is constructed, including four primary indicators of industry risk, financial risk, operational risk. Various risk factors are comprehensively identified and quantitatively evaluated. Research has found that the overall risk of Z Bank Y Branch's technology credit business is controllable, but the approval and execution process during the loan and the pre loan operational risk due diligence process are relatively weak, which are key breakthroughs in risk control. Therefore, this article proposes targeted control measures that focus on weak links. It is suggested to use the "four eye approval", intelligent warning closed-loop, and closed-loop follow-up inspection mechanism to accurately solve the problems .

         The research results will help Z Bank Y Branch improve the risk control level of credit loans for small and medium-sized enterprises in the field of technological innovation, reduce non-performing loan rates, optimize financial service quality, and provide reference for risk management of similar business in the banking industry.

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