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在我国市场经济构成中,中小企业作为市场主体,其发展水平会对我们国家的经济状况产生直接的影响。新时期受到企业规模、金融和市场环境等因素的影响,很多中小企业面临着贷款难等问题,这在一定程度上影响着我国中小企业的发展。因此,为了更好的促进中小企业的发展,本研究以中小企业贷款风险作为研究对象,就影响中小企业贷款风险的因素与管理策略进行了分析。
In the composition of the market economy in our country, as a market entity, the development level of SMEs will have a direct impact on the economic conditions of our country. In the new era, due to factors such as the size of the enterprise, the financial and market environment, many small and medium-sized enterprises are facing difficulties in providing loans and so on, which to a certain extent affects the development of China’s small and medium-sized enterprises. Therefore, in order to promote the development of small and medium-sized enterprises, this research takes the loan risk of small and medium-sized enterprises as the research object, and analyzes the factors that affect the loan risk of SMEs and the management strategies.