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中小企业是国民经济保持持续稳定增长的重要力量,国家出台了一系列促进中小企业发展的法规和办法,但由于历史客观原因,银行对中小企业的信贷大多持较谨慎的态度,中小企业融资问题一直是困扰其发展的瓶颈。本文从银行经营的角度,对中小企业信贷风险做一些分析,探讨银行对中小企业发放贷款的风险防范新思路,并提出改进银行企业关系的建议。
SMEs are an important force in maintaining a sustained and steady growth of the national economy. The government has promulgated a series of laws and regulations to promote the development of SMEs. However, due to historical and objective reasons, banks are mostly cautious about the credit of SMEs. SME financing It has always been a bottleneck troubling its development. This article analyzes the credit risks of SMEs from the perspective of bank management, discusses new ways of preventing banks from issuing loans to SMEs, and puts forward suggestions on how to improve the relationship between banks and enterprises.