浅谈商业银行对中小企业贷款的风险控制与防范

On the Precautions against Risks in Commercial Banks' Loan to Small and Medium-sized Enterprises

目前,中小企业贷款难已经成为社会普遍关注的问题。作为专业贷款机构的商业银行,在积极主动地做好风险防范与控制的同时,应毫不吝惜地向中小企业打开贷款之门。要严格按照法律程序放贷,同时建立内控机制,并提供综合性服务,实施风险控制;要完善担保制度,允许多种形式的担保,并推行贷款保险,进行风险转移。

Nowadays, almost all the small and medium - sized enterprises have difficulty in getting their loan. Under the guidance of the government, commercial banks, as the professional loan agency, undertake the historical task to improve the development of national economy. For a harmonious society, we should take the following as a starting point： on the one hand, small and medium - sized enterpri- ses should have convenience in financing; on the other hand, the constant development of commercial banks should be guaranteed. Therefore, in actively preventing and controlling the risks, commercial banks are required to generously open their doors to small and medium - sized enterprises.