我国商业银行中小企业信贷风险管理研究

Research on the Credit Risk Management of Small and Medium-Sized Enterprises in Commercial Banks of China

在经济新常态下,我国商业银行中小企业信贷业务面临着机遇和挑战。中小企业发展迅速,在推动就业、增加税收等方面起着重要作用。但其自身稳定性弱、风险大,使得商业银行对其谨慎放贷,中小企业融资难成为制约其发展的一大重要因素。论文通过对我国商业银行中小企业信贷现状及其风险形成进行分析,对商业银行中小企业信贷风险管理提出相应策略和管理措施。

Under the new normal of economy,China's commercial banks are facing both opportunities and challenges in the credit business of small and medium-sized enterprises.Small and medium-sized enterprises develop rapidly and play an important role in promoting employment and increasing tax revenue.However,due to their weak stability and high risk,commercial banks lend prudently to small and medium-sized enterprises.The financing difficulty of small and medium-sized enterprises has become an important factor restricting their development.Based on the analysis of the current situation and risk formation of the credit of small and medium-sized enterprises in China's commercial banks,this paper puts forward corresponding strategies and management measures for the credit risk management of small and medium-sized enterprises in commercial banks.