中小企业授信额度确定方法探究

The Methods to Determining the Line of Credit for SMEs

商业银行把支持中小企业发展,培育银行基本客户群作为授信业务工作的重点之一。在实际操作中,确定授信额度的基本依据非常重要,既可以防止企业挪用授信导致风险,又可以支持中小企业正常经营,按时偿还到期授信。

Supporting the development of SMEs and fostering banking customer base are the basic focus of the credit line determining in commercial banks. In practice, the fundamental principle for line of credit is very important which can both prevent the misuse of corporate credit and support SMEs.