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2015年以来,随着我国经济的持续低位运行,受外部经济环境低迷、小微企业抗风险能力较弱等因素影响,小企业信贷业务资产质量下行压力较大,小企业经营风险不断暴露,对金融机构造成了较大压力。目前,小企业主要风险特征与发展趋势如下:1.主要风险特征1.1政策风险(1)小企业大多集中于充分竞争的行业与领域,发展面临外部环境的多重约束,核心竞争力不强,无序竞争和产能过剩的威胁长期存在,导致其风险承受能力偏弱更易受经济周期波动的影响。
Since 2015, as China’s economy continues to run at low levels, due to the sluggish external economic environment and the weak ability of small and micro enterprises to resist risks, the asset quality of small enterprises is under downward pressure and the business risks of small enterprises are constantly exposed. Financial institutions caused a lot of pressure. At present, the main risk characteristics and development trends of small enterprises are as follows: 1. Major risk characteristics 1.1 Policy risks (1) Small enterprises are mostly concentrated in industries and fields that compete well. The development is confronted with multiple constraints of the external environment, and the core competitiveness is not strong. The long-term threat of competition and overcapacity leads to a weaker risk appetite and is more susceptible to fluctuations in the economic cycle.