中小企业信贷风险控制问题研究.doc

PAGE . 中小企业信贷风险控制问题研究 摘　 要 当前商业银行对中小企业信贷融资风险与日俱增。本文分析了我国商业银行和信贷融资风险现状，分析了信贷融资风险存在的原因，并指出了相对应的对策，通过此项研究，能够为银行化解中小企业信贷融资风险提供参考。由于中小企业资金规模有限，因此中小企业向银行融资是非常普遍的，由于中小企业往往存在不诚信行为，造成了银行融资信贷风险高起，一方面银行对中小企业融资存在一定程度上的抵触情绪，另一方面中小企业无法获得足够的资金，获得自身发展。银行所面临的较高的银行信贷风险是由于多方面原因造成的，一方面社会尚未建立完善的信用评价机制，即便是中小企业违约逃脱债务，依然没有受到社会制裁，当前中小企业信贷成本较低，不利于规范信贷规范化经营，对商业银行信贷操作带来了一定的困难，使得我国信贷管理呈现出一种不合理的发展趋势，本文从贷前管理、贷中管理和贷后管理三个阶段，对我国中小企业信贷融资风险进行分析，指出了我国商业银行如何有效应对中小企业信贷风险。 关键词：商业银行、中小企业、信贷融资 The financing risk prevention of Commercial banks to the SME credit ABSTRACT The commercial bank credit facilities for SMEs risk is increasing. This paper analyzes Chinese commercial banks and credit financing risk status, the reason for the existence of the risk of credit facilities, and points out the corresponds countermeasures. By this study, we provide a reference for the bank to resolve the SME Loan financing risk. Due to the limited size of the finance for SMEs, the SMEs to bank financing is very common, SMEs often acts of bad faith, resulting in a high risk of bank financing credit from the banking SME financing resentment certain extentother hand, SMEs can not get enough money, for their own development. Banks face higher bank credit risk is caused due to various reasons, on the one hand, society has yet to establish a sound credit evaluation mechanism, even SMEs breach to escape debt, is still not subject to social sanctions, the lower the cost of credit for SMEs , does not help standardize the standardization of business credit, commercial bank credit operations brought some difficulties, our credit management trends showing an unreasonable management loan before the loan-to-manage and post-loan three stages analysis of the risk of credit facilities for SMEs in China, pointed out that Chinas commercial banks how to respond effectively to the credit risk of SMEs. KEY WORDS: Commercial bank、 SMEs 、credit facility 中小企业信贷风险控制问题研究 目 录 TOC \o 1-3 \h \z \u HYPERLINK \l _Toc409963902 摘