钢贸企业不良贷款对商业银行发展中小企业信贷业务的启示

在发展中小企业信贷业务方面,钢贸企业不良贷款的产生可资借鉴。钢贸企业不良贷款在宏观经济背景下逐渐生成,在运作模式变动中慢慢酝酿,并在银行监管不力及自身经营弊端的推动下最终爆发。以此为前车之鉴,小企业信贷的发放应强化宏观经济考察,建立科学的考核问责制度,健全中小企业早期风险预警体系,通过合理举措,消除不良信贷风险。

The Enlightenment of Bad Loan in Steel Trade Enterprises to Commercial Banks' Developing SME Credit Business

This paper thinks that we should draw lessons from the generation of bad loans in steel trade enterprises to develop SME credit business. The bad loans of steel trade enterprises are gradually generated under macro-economy environment, and finally break out due to the lack of enough bank supervision and the deficiencies in the operation of these enterprises. In light of this, the paper thinks that the commercial banks should strengthen their investigation on macro-economy, establish scientific evaluation and accountability system and optimize the early risk warning system when issuing loans to SMEs so that bad loan risk can be eliminated through these reasonable methods.