商业银行对中小企业贷款的风险管理分析.doc

商业银行对中小企业贷款的风险管理分析 ［ ］众所周知，近年来，中小企业融资难己经成为制约大部分的中小企业自 身发展的一大重要难题，不论是从外源性融资还是从内源性融资，都无法很好地 获得资金。而导致不能非常顺利地获取资金的原因，主要是因为中小企业立足点 比较低比较小，无法给投资人士以及银行带来稳定的信心；相对的，更多带来的 是风险。再加上有那么一部分屮小企业，身存在着信用风险的问题，告知不诚 实、隐瞒不好的内容，从而发生好多信用危机，也使得资金的来源人非常排斥中 小企业的融资和投资机会。这个现象导致有的诚信的中小企业也面临着巨大的压 力。在这里，我们简耍从外源性融资---主要是从工行贷款融资这一渠道，并且 结合工商银行以及相关中小企业的数据，来分析一下允竟是因为什么导致了一系 列的风险，从而会使得屮小企业的融资如此困难。并且根据具体的问题來提供一 些合理的解决办法和控制风险的建议。 ［关键字］工商银行信贷风险中小企业管理 Analysis of the risk management of commercial bank loans to small andmedium enterprises [Abstract] As everyone knows，in recent years, the financing of small and medium-sized enterprises has become an important problem of small and medium-sized enterprises control most of its development, whether it is from the exogenousfinancing or from endogenous financing, all are unable to obtain funds.Reason, not very successfully to obtain funds, mainly because of the small and medium-sized enterprise foothold is low relatively small, can not give investorsand banks to bring stable confidence; relative, what brings is the risk. Plusthere is a part of small and medium-sized enterprises，the existence of their own credit risk problem，inform the dishonest, hide not good content, resulting in a lot of the credit crisis，the source of funding to reject the small and medium-sized enterprise financing and investment opportunities. Thisphenomenon leads to some credit of small and medium-sized enterprises are facing tremendous pressure. Here, we briefly from the exogenous financing,mainly from the bank loan financing for the channel, and the combination ofindustrial and Commercial Bank of China and the small and medium-sized enterprise data, to analyze what is because what caused a series of risk, and thus makes the financing of small and medium-sized enterprises such as thedifficulties. And according to the specific issue to offer some reasonablesolutions and proposals to control risks. [keyword] Commercial Bank; credit risk; SMEs; Administration 引 言 错误!未定义书签。 一、 屮小企业融资现状 错误!未定义