中小企业信贷风险分析与防范对策研究

在我国长期以间接融资为主的融资机制下，银行信贷成为中小企业融资的重要渠道。然而由于市场竞争、信息不对称、担保体系、商业银行信贷管理水平和政策环境等方面的原因，使得中小企业信贷往往面临着比较大的风险。在后金融危机时代如何发挥充分信贷的重要作用并做好风险防范，支持中小企业发展具有非常重要的现实作用和意义。

Research on the Credit Risk Prevention of Small and Medium-sized Enterprises

Indirect financing has been our main form under our financing mechanism for a long time and bank credit has become an important channel for small and medium-sized enterprises financing. While, small and medium-sized enterprises usually have bigger credit risk, because of market competition, information asymmetry, the credit guarantee system, management level of credit, policy environment,etc. In the postfinancial-crisis era, how to make use of credit completely and to do good risk prevention will have very important effects on supporting the development of small and medium-sized enterprises.