中小企业信贷风险分析及管控

Analysis and Control of SME Credit Risks

随着我国经济社会快速发展,为银行业带来了良好的发展机遇,商业银行对中小企业信贷业务不断扩大。随着经济周期的演变,以及部分商业银行管理体制、经营理念等方面不尽完善和中小企业本身的特点,中小企业的信贷风险问题已变成了商业银行风险内控的重点工作。本文通过研究当前中小企业信贷风险存在的主要问题,针对性的提出管控对策。

With the rapid economic and social development in China, the banking industry has brought good opportunities fordevelopment, and commercial banks continue to expand the credit business of small and medium-sized enterprises. With the evolution ofthe economic cycle, as well as the imperfections in the management systems and business concepts of some commercial banks and thecharacteristics of small and medium-sized enterprises themselves, the issue of credit risk for SMEs has become a key task in the internalcontrol of commercial banks＇ risks. In this paper, we focus on the main problems in the current credit risk of SMEs, and proposecountermeasures for targeted management.