商业银行在纺织行业中小企业信贷业务中的风险防控策略

Risk Prevention and Control Strategies of Commercial Banks in Credit Business of Small and Medium Sized Enterprises in Textile Industry

纺织行业是一个重要的实体经济类型,分布广泛、数量众多,而且以中小型企业为主,其在经济建设、创造劳动就业岗位中,发挥出了重要的作用。在加强金融服务民营中小企业的战略背景和要求下,作为商业银行既需要优化、改进对纺织行业中小企业的信贷服务质量,更需要重视并切实做好对其信贷业务风险的防控工作,这样才能更好的维护市场和谐、稳定,促进中小企业及整个市场的良好发展。文章首先对商业银行纺织行业中小企业信贷业务风险防控的重要性进行了分析,然后主要就如何具体落实风险防控提出了部分探讨性建议,希望能够为相关工作的实践提供参考。

With extensive distribution and large number,textile industry is one kind of vital economy.Small and medium-sized enterprises in the textile industry are a major part of the market,which greatly promotes the construction of the social market economy,and creates a large number of jobs.Therefore,under the strategic background and requirements of strengthening financial services for private SMEs,commercial banks should pay attention to optimizing and improving the credit and loan service quality for the SMEs of textile industry,but also focus on and practically do a good job in providing financial services and implement the prevention and control of credit risks for SMEs in the textile industry.Therefore,the harmony and stability as well as the sound development of the whole market would be maintained better.This paper first analyzes the importance of risk prevention and control in the credit business of small and medium-sized enterprises in the textile industry of commercial banks,and then puts forward some suggestions on how to implement risk prevention and control,hoping to provide references for relevant practices.