我国中小企业发展迅速,但发展困难重重,其中融资难首当其冲,融资渠道基本还是局限于银行信贷这种单一模式。随着利率市场化的推进,金融业所面临的外部发展环境正不断地变化,商业银行信贷资产的风险也随之增加,信贷风险管理已成为了商业银行风险管理的重要组成部分。 China’s SMEs are developing rapidly, but the development of many difficulties, including financing bear the brunt of the basic financing channels or limited to a single model of bank credit. With the marketization of interest rates, the external development environment facing the financial industry is constantly changing, and the risks of commercial banks ’credit assets also increase. Credit risk management has become an important part of commercial banks’ risk management.