对小微企业贷款“个人化”的风险控制问题探析——以吉林省吉林市为例

“Personalization”of Small Micro Enterprise Loan Risk Control Problem Analysis ——In Jilin City of Jilin Province as an example

小微企业作为我国国民经济和社会发展的重要力量,在保持国民经济平稳快速发展方面发挥了重要作用。但一直以来,小微企业普遍存在贷款难问题。为解决小微企业贷款难的瓶颈障碍,部分小微企业采取通过"个人化"贷款方式获取融资的模式。本文以小微企业贷款"个人化"的主要特征和出现的背景为切入点,剖析小微企业"个人化"贷款产生的风险问题,进而提出风险控制的政策建议。

The small micro enterprises as an important force for national economic and social development in our country, while maintaining steady and rapid development of national economy has played an important role. But for a long time, is common small micro enterprise loan diffi cult problem. To solve the bottleneck of small micro enterprise loans diffi cult obstacles, some small micro enterprises ＂personalized＂ loans taken by obtaining fi nancing mode. In this paper, the main characteristic of small micro enterprise loan ＂personalization＂ and the background, this paper analyzes the small micro enterprise ＂personalized＂ loan risk problem, put forward policy Suggestions.