浅论中小企业信贷需求与银行风险管理

Discussion Credit Demand of Small and Medium-sized Enterprises and Risk Control of Banks

分析了中小企业金融服务需求及信贷融资的现状,提出了在中小企业风险管理中商业银行存在的问题及进行风险管理的对策,就如何建立高效合理的中小企业信贷风险管理模式进行了探讨。

The paper analyzes the demand of small and medium-sized enterprises for financial services and the situations of credit financing,raises the issues of commercial banks in risk control of small and medium-sized enterprises and the related countermeasures for risk control,and discusses how to create a high-efficiency and reasonable credit risk control mode for small and medium-sized enterprises.