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随着我国经济的快速发展,中小企业在其中的作用越来越重要,其所具有的广阔市场前景、稳定的投资回报和广泛的客户资源等特点深受商业银行的青睐,发展和拓宽对中小企业的信贷业务已经成为我国商业银行重要的发展途径。但是由于中小企业的经营特性和商业银行自身存在的问题,使得中小企业的信贷存有很大的风险,并且难以控制。因此,加强对中小企业信贷风险的规避和管理,对于商业银行提高自身的经营绩效和竞争力,谋求更好的发展有着重要的现实意义。
With the rapid economic development in our country, the role of small and medium-sized enterprises in them is more and more important. The broad market prospects, stable return on investment and extensive customer resources are favored by commercial banks and developed and broadened their influence on small and medium- The credit business of enterprises has become an important way of development for commercial banks in our country. However, due to the operating characteristics of SMEs and the problems existing in the commercial banks themselves, the credit of SMEs poses a great risk and can not be controlled. Therefore, strengthening the evasion and management of the credit risk of SMEs has important practical significance for commercial banks to improve their business performance and competitiveness and seek better development.