中小企业风险控分析.doc

小企业作为市场经济中最具有生机与活力的群体，已经成为我国经济增长的重要动力之一。中小企业在产品技术创新、产业结构调整、区域经济崛起，尤其在缓解就业压力和农村劳动力转移诸方面均发挥着重要作用，成为我国保持经济平稳快速增长的主体。从中小企业层面出发，要保持快速增长的态势，中小企业无法仅依靠自身的积累，必须依赖外部融资的支持，而在中国融资渠道相对缺乏的情况下，商业银行贷款成为其融资的主要渠道。但实际上，中小企业贷款难是一个普遍性的问题，其在世界上任何一个国家都不同程度的存在着。在我国，这个问题相对来说比较突出。产生的根源主要在于改革开放初期，我国经济秩序比较混乱，法律法规相对缺乏，银行内部管理、风险控制能力低下，因此造成了大量中小企业贷款坏帐，以至于一些银行现在对中小企业贷款产生“惜贷”情绪。 Small businesses as a market economy the most has the vigor and vitality of the groups, has become one of the important power of economic growth in China. Small and medium-sized enterprises in the product technology innovation, industry structure adjustment and regional economic rise, especially in relieve employment pressure, and all aspects of rural labor transfer plays an important role, become the subject of maintaining steady and rapid economic growth in China. Starting from small business level, to maintain rapid growth trend, the small and medium-sized enterprises can not only rely on their own accumulation, must rely on external funding support, and the relative lack of financing channels in China, become the commercial bank loans financing the main channel. But, in reality, small and medium-sized enterprise loans difficult is a common problem, in any country in the world exists to varying degrees. In our country, the problem is relatively outstanding. The causes of early mainly lies in the reform and opening up, the economic order is chaotic in our country, the laws and regulations are relatively lack of bank internal management and risk control ability is low, therefore caused a large number of small and medium-sized enterprise loans, so much so that some Banks now hoarding with the sme loans. 从商业银行层面出发，各大国有商业银行利润普遍增长乏力，其原因在于其绝大部分贷款集中于大企业，而直接融资方式的拓宽使大企业不再依赖于银行，再上长期以来各家银行争相给大企业提供服务，激烈的竞争造成信贷成本上升、利润贡献率降低。在这种情况下，大力发展中小企业信贷对银行转变盈利方式、寻找新的盈利增长点具有重要意义。 Starting from the level of commercial bank, the state-owned commercial bank profit growth generally, the reason for this is that most of its loans has focused on la