随着我国社会主义市场经济的进一步发展,中小企业已成为推动国民经济发展的重要力量,在和谐经济社会的建设中,对解决劳动者就业和促进行业、区域经济发展发挥越来越重要的作用。近年来,对小企业融资方面的信贷扶持备受社会各界的关注,国家也先后出台了相应的政策和法规;然而,小企业信贷业务的风险控制是银行不得不面对的实际问题,这关系到我国商业银行的健康发展。 With the further development of China’s socialist market economy, SMEs have become an important force in promoting the development of the national economy. In the construction of a harmonious economy and society, SMEs play an increasingly important role in solving the employment of workers and promoting the development of the industry and the regional economy . In recent years, credit support for financing small businesses has drawn the attention of all sectors of society. Countries have also promulgated corresponding policies and regulations. However, the risk control of small-business credit business is a real problem that banks have to face. To the healthy development of China’s commercial banks.