| 刍议商业银行加强中小企业信贷风险管理问题 |
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| 引用本文： | 王颖驰,薛婧. 刍议商业银行加强中小企业信贷风险管理问题[J]. 商业经济(哈尔滨), 2013, 0(8) |
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| 作者姓名： | 王颖驰 薛婧 |
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| 作者单位： | 佳木斯大学经济管理学院,黑龙江佳木斯,150036 |
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| 摘 要： | 当前,我国中小企业普遍面临着融资困难的状况,给中小企业发展带来了巨大的阻力。原因主要是由于中小企业自身实力较弱,经营管理制度不成熟,商业银行对中小企业信贷存在较高的风险等。商业银行在对中小企业信贷风险管理方面应该遵循全面性、系统性、谨慎性的原则,建立有用的、适合地区实际情况的信用风险管理体系,制定风险管理制度、程序和措施,提高银行贷款的质量,及时识别可能存在的风险,对风险进行监测并及时控制,从而确保信贷风险在合理的范围内,尽量减少不良贷款,确保银行资产的合理流动的目标。
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| 关 键 词： | 商业银行 中小企业信贷 风险管理 |
A Brief Analysis of Issues Concerning Commercial Bank Management of SME Credit Risks |
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| WANG Yingchi , XUE Jing. A Brief Analysis of Issues Concerning Commercial Bank Management of SME Credit Risks[J]. Business Economy, 2013, 0(8) |
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| Authors: | WANG Yingchi XUE Jing |
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| Abstract: | Most SMEs in China now face financing difficulties,the huge hindrance curbing the development of SMEs,which was mainly caused by the weak strength of SMEs themselves,immature management systems,and the high risks for commercial banks to offer credit to SMEs.Abiding by comprehensive,systematic and prudent principles,commercial banks should build a practical credit risk management system in accordance with local conditions;formulate a risk management system,procedure and countermeasures;increase the bank loan quality;recognize potential risks in timely manners;and conduct supervision and promptly control over risks so as to constrain the risks within a reasonable scope,reducing non-performing loans to the greatest extent and ensuring bank liquidity. |
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| Keywords: | commercial banks credit for SMEs risk management |
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