摘要：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。

　　关键词：中小企业; 信贷业务; 风险管控;

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

　　Keyword：SMEs; credit business; risk management;

　　随着国家的经济社会发展, 我国的中小企业也得到了快速成长, 这些中小企业数量多、分布广、规模小, 资金需求大, 贷款利率水平相对较高而成为商业银行的利率增长点。但是对商业银行来说, 中小企业在信贷业务方面还具有融资渠道单一、财务结构不健全、信用信息不完备、监管困难等特点, 且其本身也存在着信用体系、监管体制不完善和专业人才缺乏等问题, 所以, 当前中小企业信贷业务的风险管控, 已经成为商业银行的一个工作重点。


 

TAG标签： 信贷业务     中小企业     风险管控