“青春期”民营企业信贷风险防范

Guarding against the Credit Risks in the“Adolescence”of Non-state-owned Enterprises

“青春期”是一个企业成长的必经阶段。当前,一大批企业即将进入或已经处于“青春期”,面临着诸多青春期问题,各种风险陡然增加。在大力拓展民营企业信贷市场的同时,有效防范乃至规避“青春期”引致的信贷风险,对于商业银行的稳健经营具有重要的现实意义。

Adolescence”is the necessary phase in an enterprise’s development.At present,a num ber of enterprises are or will be in their“adolescence”,which may bring about many particular problems such as the sharp expansion of various risks.In view of this situation,it is of great real-istic significance for commercial banks to pursue the sound operation by guarding against or avoid-ing such credit risks while extending the credit market of non-state -owned enterprises by and large.