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中小企业信贷风险分析及管控

 Analysis and Control of SME Credit Risks

丛剑 CONG Jian
(烟台银行股份有限公司,烟台 264000)
(Yantai Bank Co.,Ltd.,Yantai 264000,China)
摘要:随着我国经济社会快速发展,为银行业带来了良好的发展机遇,商业银行对中小企业信贷业务不断扩大。随着经济周期的演变,以及部分商业银行管理体制、经营理念等方面不尽完善和中小企业本身的特点,中小企业的信贷风险问题已变成了商业银行风险内控的重点工作。本文通过研究当前中小企业信贷风险存在的主要问题,针对性的提出管控对策。
Abstract: With the rapid economic and social development in China, the banking industry has brought good opportunities for development, and commercial banks continue to expand the credit business of small and medium-sized enterprises. With the evolution of the economic cycle, as well as the imperfections in the management systems and business concepts of some commercial banks and the characteristics of small and medium-sized enterprises themselves, the issue of credit risk for SMEs has become a key task in the internal control of commercial banks' risks. In this paper, we focus on the main problems in the current credit risk of SMEs, and propose countermeasures for targeted management.
关键词:中小企业;信贷业务;风险管控
Key words: SMEs;credit business;risk management
中图分类号:F832.4                       文献标识码:A               文章编号:1006-4311(2018)25-0003-02
文章出处:丛剑.中小企业信贷风险分析及管控【J】价值工程.2018-09-08 
 

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