银行对中小企业进行授信具有风险性是无法避免的,这是由于中小企业自身所存在的特点决定的,基于此,从银行的角度出发,如何在最大程度上降低中小企业信贷风险就成了相关部门需要解决的重要难题。本文立足于当今的时代背景,从中小企业信贷风险的表现出发,运用理论与实际相结合的方式,从银行的角度为避免中小企业信贷风险提出了相应的策略,供有关部门参考。 It is unavoidable for banks to risk the credit of SMEs due to the existence of SMEs themselves. Based on this, how to minimize the credit risk of SMEs has become relevant from a bank’s point of view Department needs to solve the important problem. This article is based on the current background of the times, starting from the SME credit risk performance, using the combination of theory and practice, from the bank’s point of view to avoid SME credit risk and put forward corresponding strategies for the relevant departments for reference.