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树立科学的风险管理理念,加大对小微企业经营风险、信用风险、操作风险的管控,依托现代科技系统,把小微企业贷款风险化解在萌芽状态近年来,商业银行对小微企业的贷款投放呈现出明显的上升趋势,在一定程度上缓解了小微企业的融资困境。然而,相对于大中型企业而言,小微企业规模小、抗风险能力差、信息不对称等问题突出,更容易产生贷款风险,尤其是在经济增速放缓的当前,化解小微企业贷款风险更加刻不容缓。
Establishing a scientific concept of risk management and stepping up management and control over the operating risks, credit risks and operational risks of small and micro enterprises, relying on the modern science and technology system to resolve the loan risks of small and micro enterprises In the recent years, commercial banks’ loans to small and micro enterprises Delivery showed a clear upward trend, to a certain extent, eased the financial difficulties of small and micro enterprises. However, compared with large and medium-sized enterprises, the problems of small and micro enterprises, such as small size, poor anti-risk capability and asymmetric information, are prominent and their loan risks are more likely to arise. In particular, at a time when the economic growth is slowing down, small and micro enterprise loans The risk is even more urgent.