论中小企业贷款风险管理

发布时间：2018-03-14 15:50

本文选题：中小企业　切入点：贷款　出处：《南方金融》2014年04期 　论文类型：期刊论文

【摘要】：近年来,我国政府大力推动中小企业发展,中小企业在国民经济中所占的比重也越来越大。我国中小企业在高速发展的同时也面临不少困难和问题,其中融资难是制约企业发展的主要原因。一方面企业自身经营管理规范程度不高,另一方面企业所处的外部环境因素也不利于其健康发展。本文主要探讨我国中小企业在融资过程中存在的种种问题,提出通过提升银行对中小企业贷款风险的研究水平来推动中小企业的进一步发展。
[Abstract]:In recent years, the Chinese government has made great efforts to promote the development of small and medium-sized enterprises, and the proportion of small and medium-sized enterprises in the national economy has become larger and larger. While developing at a high speed, small and medium-sized enterprises in our country are also facing many difficulties and problems. Among them, the difficulty of financing is the main reason for restricting the development of enterprises. On the one hand, the level of standardization of enterprises' own operation and management is not high, On the other hand, the external environmental factors of enterprises are not conducive to their healthy development. This paper proposes to promote the further development of SMEs by raising the level of bank research on SME loan risk.
【作者单位】：中国建设银行广州白云支行;
【分类号】：F832.4;F276.3

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