受当前国内外经济增速减缓影响,小微企业面临着经营压力大、成本上升、融资困难等问题,小微企业信贷风险成为了商业银行普遍面临的问题。文章分析了银行小微企业信贷业务所面临的风险,同时详细探讨了银行防控小微企业信贷风险的策略。 Affected by the current slowdown of domestic and international economic growth, small and micro enterprises are facing operational pressure, rising costs and financing difficulties. The credit risk of small and micro enterprises has become a common problem faced by commercial banks. This article analyzes the risks faced by banks in small and micro enterprises’ credit business and discusses in detail the strategy of banks in controlling credit risk of small and micro enterprises.