摘要
近年来,受经济下行影响,小微企业面临着经营压力大、成本上升、融资困难等问题,银行的小微企业贷款不良率呈持续上升的态势。如何有效地控制和防范小微企业的信贷风险,已成为目前银行亟待解决的问题。文章从小微企业面临的生存环境以及小微企业自身经营的特点入手,分析小微企业信贷业务的风险表现形式,结合近年来的小微企业业务发展情况,提出针对小微企业信贷风险的管控措施。
In recent years, affected by the economic downturn, small and micro enterprises are facing a large operating pressure, rising costs, financing difficulties and other issues, and the bank’s small and micro enterprises non-performing loan ratio shows a rising trend. How to effectively control and prevent the credit risk of small and micro enterprises has become the problem to be solved. Based on the development environment and the special management characteristics of small and micro enterprises, the paper makes a study on the forms of loan risk and explores the measures to control the loan risk of small and micro enterprises in view of their development in recent years.
出处
《邵阳学院学报（社会科学版）》
2016年第5期86-92,共7页
Journal of Shaoyang University:Social Science Edition
基金
华夏银行上海分行研究课题"授信业务风险管理--小微企业风控专题研究"(2016001)
关键词
小微企业
商业银行
贷款风险
管控措施
small and micro enterprises
commercial bank
loan risk
management and control measures
