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民营企业信贷风险及防范措施
引用本文:谢亮,李宁. 民营企业信贷风险及防范措施[J]. 内蒙古财经学院学报(综合版), 2013, 11(1): 38-40
作者姓名:谢亮  李宁
作者单位:1. 中国建设银行内蒙古分行资产保全与贷后管理部,内蒙古呼和浩特,010010
2. 乌兰察布市职业学院,内蒙古乌兰察布,012000
摘    要:目前,民营经济在我国经济增长中是不可或缺的因素,民营经济已成为国民经济的重要组成部分,占有重要的地位。据统计,民营企业贷款已占商业银行全部贷款的32%。对于商业银行来说,继续加强对民营企业的信贷营销,促进民营经济发展,是重要的业务之一;同时,由于民营经济本身存在的一些问题,也为商业银行防范和化解民营企业信贷风险带来严峻挑战。本文针对民营经济的信贷风险问题进行研究,并提供一些建设性意见。

关 键 词:商业银行  民营企业  信用风险  风险防范

On the Credit Risks of Private Enterprises and Precautionary Measures
XIE Liang , LI Ning. On the Credit Risks of Private Enterprises and Precautionary Measures[J]. Journal of Inner Mongolia Finance and Economics College, 2013, 11(1): 38-40
Authors:XIE Liang    LI Ning
Affiliation:1.China Construction Bank,Inner Mongolia Branch,Hohhot 010010,China;2.Career Academy of the City Ulanqab,Ulanqab 012000,China)
Abstract:At present,private economy has become an indispensable factor of economic growth in China.It is also an important part in national economy and plays an important role.According to statistics,private enterprise loans has accounted for 32% of all loans to commercial banks.Therefore,it is important to strengthen credit marketing to private enterprises continuously so as to promote the development of private economy.Meanwhile,the problems existed in private economy also brings serious challenges to commercial banks in preventing and solving the credit risks of private enterprises.Aiming at the credit risks of private enterprises,this paper carries out a study and puts forward some constructive suggestions.
Keywords:commercial banks  private enterprises  credit risk  risk precaution
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