商业银行小微信贷借款人风险控制研判

Research on Risk Control Countermeasures ofCommercial Banks’ Micro and Small Credit Borrowers

随着我国经济社会的快速发展和金融市场的日益开放,发展小微企业成为国家着力推进的新方向,开展小微信贷也成为银行转型的新希望。但小微企业受规模小、信用程度低、没有足够的抵押担保物等条件的限制难以融资。面对小微企业融资难问题,商业银行要建立起科学有效的、针对小微信贷借款人进行风险识别控制的体系,从而通过小微信贷推动小微企业的发展,取得合作共赢的实效。

With the rapid development of China’s economy and society and the increasing opening of financial markets,the development of micro and small enterprises has become a new direction for thecountry to promote,and the development of micro and small credit has alsobecome a new hope for banks’transformation.However,micro and small enterprises are difficult to obtain financing due to the constraints of small scale,low credit worthiness,and insufficient mortgage collateral.Facing the financing difficulties of micro and small enterprises,it is urgent for commercial banks to establish a scientific and effective risk identification and control system for micro and small credit borrowers,so as to promote the development of small and micro enterprises through small and micro credit,and achieve the goal of win-win cooperation.