随着市场经济改革不断持续深化,我国中小企业已经是国民经济中不可或缺的一部分,而其风险特征使得自身抗风险能力较弱。对于银行,风险管理水平的高低起着至关重要的作用。银企信息不对称、民间借贷、国内外经济环境的不稳定都造成了我国中小企业贷款出现信用风险问题。本文从商业银行角度出发,总结分析我国商业银行中小企业业务风险成因,针对其存在的现状及问题展开研究,并提出建议和对策。 With the continuous deepening of market economy reform, China’s small and medium-sized enterprises are already an indispensable part of the national economy, and their risk characteristics make their own anti-risk ability is weak. For banks, the level of risk management plays a crucial role. Asymmetric information between banks and enterprises, private lending, and unstable domestic and international economic environment have caused the credit risk of SME loans in China. From the perspective of commercial banks, this article summarizes and analyzes the causes of SMEs’ business risks in China’s commercial banks, studies their existing status and problems, and puts forward suggestions and countermeasures.