| 城市商业银行防范中小企业信贷风险对策 |
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| 引用本文： | 姜小波.城市商业银行防范中小企业信贷风险对策[J].金华职业技术学院学报,2013,13(2):42-46. |
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| 作者姓名： | 姜小波 |
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| 作者单位： | 金华银行开发区支行,浙江金华,321000 |
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| 摘 要： | 目前国家金融政策要求各金融机构加强对中小企业的信贷支持力度,但是由于中小企业自身发展的特殊性,产生了一定的信贷风险。为了有效防范中小企业信贷风险,本文从城市商业银行发展的自身情况、中小企业实际状况和社会经济环境背景三个方面来分析城市商业银行中小企业信贷风险的成因,认为可以通过实行对中小企业信贷风险的监控、建立风险资本比约束机制、加强银行自身监管等对策来防范中小企业的信贷风险。
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| 关 键 词： | 城市商业银行 中小企业 信贷风险 |
Research on City Commercial Banks Guard against the Credit Risks of Small and Medium-sized Enterprises |
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| JIANG Xiao-bo.Research on City Commercial Banks Guard against the Credit Risks of Small and Medium-sized Enterprises[J].Journal of Jinhua College of Profession and Technology,2013,13(2):42-46. |
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| Authors: | JIANG Xiao-bo |
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| Institution: | JIANG Xiao-bo (Jinhua Bank Development Zone Branch, Jinhua 321000, China) |
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| Abstract: | At present, our country＇s financial policy requires all banking institutions should strengthen their credit support for small and medium-sized enterprises. However, due to the peculiarities in their own development, small and medium-sized enterprises pick up some credit risks. Targeting at seeking the most effective countermeasures to guard againt credit risks of small and medium-sized enterprises, this paper analyses the likely causes of credit risks in small and medium-sized enterprises from three aspects： the development of the city commercial banks, the actual situations of small and medium-sized enterprises, and the background to social and economic environment. As a result, this paper concludes that credit risks of small and medium-sized enterprises can be reduced or even avoided, by carrying out supervision over credit risks of the small and medium-sized enterprises, by establishing the restraint mechanisms of the ratio of risk to capital, and by enhancing banks＂ self-monitoring, etc. |
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| Keywords: | city commercial banks small and medium-sized enterprises credit risks |
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