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中小企业为中国的经济发展做出了举足轻重的贡献,是扩大就业的重要渠道。从长远看,中小企业逐步成为国民经济的重要组成部分,因此切实解决企业融资难问题应该被确定为国内长期坚持并逐步完善的工作内容。随着世界经济形势复杂多变,国内经济复苏放缓,中国内地部分地区暴露了中小企业经营恶化、破产、企业主跑路、银行信贷集中爆发的局面。在当前经济形势下,如何加强和改善对小企业的金融服务,在有效控制风险的前提下,加大对小企业的支持力度,成为商业银行面临的课题。本文对商业银行目前出现的小企业风险深入分析原因,并提出解决的对策。
SMEs have made decisive contributions to China’s economic development and are an important channel for expanding employment. In the long run, small and medium-sized enterprises have gradually become an important part of the national economy. Therefore, effectively solving the problem of financing for enterprises should be identified as the work content that China has long adhered to and gradually improved. With the complicated and volatile economic situation in the world and the slowdown of the domestic economic recovery, some parts of the Mainland have exposed the deterioration of SMEs operations, bankruptcies, the running of business owners and the outbreak of bank credit. Under the current economic situation, how to strengthen and improve the financial services to small enterprises and increase support for small enterprises under the premise of effectively controlling risks has become a topic for commercial banks. This article analyzes the reasons for the small business risks in commercial banks and puts forward some countermeasures.