对小微企业贷款“个人化”的风险控制问题探析--以吉林省吉林市为例

小微企业作为我国国民经济和社会发展的重要力量，在保持国民经济平稳快速发展方面发挥了重要作用。但一直以来，小微企业普遍存在贷款难问题。为解决小微企业贷款难的瓶颈障碍，部分小微企业采取通过“个人化”贷款方式获取融资的模式。本文以小微企业贷款“个人化”的主要特征和出现的背景为切入点，剖析小微企业“个人化”贷款产生的风险问题，进而提出风险控制的政策建议。

“Personalization”of Small Micro Enterprise Loan Risk Control Problem Analysis --In Jilin City of Jilin Province as an example

??The?small?micro?enterprises?as?an?important?force?for?national?economic?and?social?development?in?our?country,?while?maintaining?steady?and?rapid?development?of?national?economy?has?played?an?important?role.?But?for?a?long?time,?is?common?small?micro?enterprise?loan?dififcult?problem.?To?solve?the?bottleneck?of?small?micro?enterprise?loans?dififcult?obstacles,?some?small?micro?enterprises?“personalized”?loans?taken?by?obtaining?ifnancing?mode.?In?this?paper,?the?main?characteristic?of?small?micro?enterprise?loan?“personalization”?and?the?background,?this?paper?analyzes?the?small?micro?enterprise?“personalized”?loan?risk?problem,?put?forward?policy?Suggestions.