浅谈商业银行对中小企业贷款的风险控制与防范

目前,中小企业贷款难已经成为社会普遍关注的问题。作为专业贷款机构的商业银行,在积极主动地做好风险防范与控制的同时,应毫不吝惜地向中小企业打开贷款之门。要严格按照法律程序放贷,同时建立内控机制,并提供综合性服务,实施风险控制;要完善担保制度,允许多种形式的担保,并推行贷款保险,进行风险转移。

On the Precautions against Risks in Commercial Banks' Loan to Small and Medium-sized Enterprises

Nowadays,almost all the small and medium-sized enterprises have difficulty in getting their loan.Under the guidance of the government,commercial banks,as the professional loan agency,undertake the historical task to improve the development of national economy.For a harmonious society,we should take the following as a starting point:on the one hand,small and medium-sized enterprises should have convenience in financing;on the other hand,the constant development of commercial banks should be guaranteed.Therefore,in actively preventing and controlling the risks,commercial banks are required to generously open their doors to small and(medium-sized) enterprises.