摘要
目前银行业对中小企业的贷款总额不断攀升,中小企业贷款在企业贷款总额中所占的比例逐渐加大,银行通常采用抵押担保方式来防范中小企业贷款风险,但是抵押担保这种防范风险的手段本身也会引起一系列风险,再加上中小企业固有的特殊性,贷款抵押风险被进一步放大。文章重点分析了中小企业抵押贷款风险的生成原因,并据此提出了相应的防范和控制风险的对策。
At present,the total lending to SMES by banks are rising and this proportion is gradually increasing among the whole Corporate lending.The banks usually use mortgage-backed securities against the SMES loan risk.But mortgage-backed securities itself might lead to a series of risks which can be further enlarged because of its inherent particularity.This article mainly analyzes the cause of the SMES mortgage lending and comes up with some countermeasures and strategies against these risks.
出处
《南京广播电视大学学报》
2010年第3期28-32,共5页
Journal of Nanjing Radio & TV University
