我国中小企业信贷风险控制问题探讨.pdfVIP

要 随着我国社会主义市场经济体制的逐步形成和完善，中小企业在国民经济中 的重要作用日益显著，但其 融资难”的问 却长期得不到解决。中小企业融资难的 一个重要原因是商业银行对中小企业信贷风险难以控制。对中小企业融资的信贷 风险控制问题的探讨，有助于从根本上缓解中小企业的 融资难”问题。 本文对企业融资的各种方式进行了比较分析，结合我国的实际情况和中小企 业的自身特点，认为当前我国中小企业融资方式的现实选择是 信贷融资为主， 并归纳了我国中小企业融资中的信贷风险及其控制现状。 本文研究了我国中小企业信贷风险难以控制的原因，包括外部信用环境对中 小企业信贷风险的影响，银行自身信贷管理体制与机制的缺陷，中小企业自身治 理机制、抵御风险能力、信用能力、财务管理不规范等因素导致的银行信贷风险。 在此基础上，提出了加强中小企业信贷风险控制的思路，认为应从完善信用法律 制度、完善银行信贷管理、健全中小企业治理、规范企业财务会计制度、建立信 贷风险分担与转移机制等方面进行控制。 本文由五部分 成，包括引言、中小企业融资与信贷风险控制的相关理论、 我国中小企业融资及其信贷风险控制现状、影响我国中小企业信贷风险控制因素 分析以及我国中小企业信贷风险控制的思路。 关键词：中小企业；信贷风险；风险控制 1 Abstract With the socialist market economic system developing and improving the gradually in China, SMEs play an increasing important role significantly in the national economy. But the financing difficult problems couldn’t be solved in long-term. An important reason of SMEs financing is that it ’s very difficult for the commercial banks to control credit risk. Discussion on credit risk control can help SMEs ease the financing difficult Fundamentally. With the actual situation and the characteristics of SMEs, the article made a comparative analysis on corporate financing in various ways, introduced that the Credit Financing is a realistic choice of the current financing ways for SMEs, and summed up the credit risk and control status of SMEs in China. The article studies the reasons difficult to control credit risk of SMES in China, includes the influent of SMEs credit risk on external credit environment, the defects of bank credit management systems and mechanisms, the credit risk of banks caused by governance mechanisms, ability to withstand risks, credit capacity, financial management irregularities. On this basis, the article discussed the thoughts of cred