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当前,受多重因素影响,小微企业融资难问题仍然突出。在正规金融渠道难以满足其资金需求的情况下,一些小微企业可能会通过民间借贷市场进行高成本融资。随着民间借贷风险的暴露,如何防范民间借贷风险向银行传递,这是当前的一个重要课题。对此,笔者试分析了小微企业涉足民间借贷风险对金融机构可能造成的影响,并对金融机构如何及时采取措施,消除隐患,确保小微企业贷款业务的健康发展提出了建议。
At present, due to multiple factors, the problem of financing for small and micro enterprises is still outstanding. In the event that formal financial channels can not meet their funding needs, some small and micro businesses may be able to finance high-cost financing through the private lending market. With the exposure of private lending risk, how to prevent the risk of private lending to the bank is an important issue at present. In this regard, the author attempts to analyze the possible impact that small and micro enterprises have on private lending risks to financial institutions and makes recommendations on how financial institutions can take timely measures to eliminate hidden dangers and ensure the healthy development of small and micro enterprises’ lending business.