中小企业(SMEs)信贷风险的有效控制,是银行目前拓展信贷业务持续发展新支点的前提条件。针对SMEs的复杂情况,商业银行如何立足区域经济环境和信用环境,从经营实际出发,通过对中小企业贷款风险的系统、深入、全面研究,提出切实可靠的应对策略,实现中小企业贷款业务的持续健康发展就尤显重要。 The effective control of SMEs’ credit risk is a prerequisite for the bank to expand its new fulcrum in the sustainable development of its credit business. In view of the complicated situation of SMEs, how commercial banks set foot in regional economic environment and credit environment, proceed from the reality of operation, put forward practical and reliable countermeasures through systemic, in-depth and comprehensive research on the loan risk of SMEs, and realize the continuity of loan business for SMEs Healthy development is particularly important.