随着我国经济总量的快速增长和经济格局的深入调整,小型公司客户市场的重要性日益凸显,从长远来看优质小型公司客户将成为国内商业银行最重要的利润增长点之一。小企业贷款与大企业贷款相比,除要承担市场风险和操作风险外,还存在着道德风险和因信息不对称而带来的信用风险。中国建设银行绍兴支行 With the rapid growth of China’s total economy and the in-depth adjustment of economic structure, the importance of the small-sized client market has become increasingly prominent. In the long run, small and medium-sized high-quality clients will become one of the most important profit growth points for domestic commercial banks. Compared with large enterprise loans, small business loans should bear not only market risk and operational risk, but also moral hazard and credit risk caused by asymmetric information. China Construction Bank branch in Shaoxing