我国中小企业信贷风险及防范探析

发布时间：2018-05-19 09:07

本文选题：中小企业 + 信贷风险　；参考：《企业经济》2010年11期

【摘要】：我国中小企业的迅速发展对促进经济增长、技术创新和就业发挥了重要作用。但是,中小企业由于普遍存在抗风险能力弱、管理不善等问题,使得贷款潜在风险较高,风险管理难度较大。随着市场经济的迅速发展,中小企业已成为我国最活跃的经济成份之一,大力开展中小企业信贷业务无疑将成为商业银行发展的战略选择。在当前情况下,商业银行在大力拓展中小企业信贷业务时,应对中小企业融资动机和方式、企业特点和风险特征、风险防范和解决途径等有足够的认识和研究,制定切实可行的措施和办法,努力规避风险。这样,才能在支持中小企业的发展中实现银企双赢。本文从认识中小企业的特点入手,对我国中小企业信贷存在的风险进行了分析,并提出了防范信贷风险的对策。
[Abstract]:The rapid development of small and medium-sized enterprises in China has played an important role in promoting economic growth, technological innovation and employment. However, small and medium-sized enterprises generally have some problems, such as weak ability to resist risks and poor management, which makes the potential risks of loans higher and the risk management more difficult. With the rapid development of market economy, small and medium-sized enterprises have become one of the most active economic components in China. Under current circumstances, commercial banks should have sufficient knowledge and research on the motives and methods of SME financing, enterprise characteristics and risk characteristics, risk prevention and solutions, and so on, when expanding the credit business of small and medium-sized enterprises. Work out practical measures and methods to avoid risks. In this way, in support of the development of small and medium-sized enterprises to achieve a win-win. Starting with the characteristics of SMEs, this paper analyzes the credit risk of SMEs in China, and puts forward some countermeasures to prevent the credit risk.
【作者单位】：南昌工程学院经济系;
【基金】：江西省高校人文社科研究项目“基于财务诊断的江西中小企业信贷风险防范研究”(批准号:JJ0935)的阶段性成果
【分类号】：F832.4

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