随着我国市场经济的高速发展,作为市场主体的中小企业也迅速发展起来,并且在国民经济和社会生活的方方面起着重要的作用,但近年我国中小企业在融资问题方面出现了一些问题,特别是对于主要的融资对象—银行,双方都存在贷款的风险,因此这也受到了企业本身和银行方面的关注,因为对于在我国所有企业中占大多数比例的中小型企业对国民经济的发展有很大影响,因此,为了让中小企业更好更快地发展,我们必须根据中小企业自身的特点,分析中小企业的在银行贷款方面的风险,以及及时地找出相应的对策。而本文主要针对中小企业贷款的风险进行分析与探究,从而找出能够达到企业与银行共赢的对策,这样一方面可以解决中小企业融资方面的问题,另一方面,又可以尽可能地降低其贷款风险。 With the rapid development of the market economy in our country, the SMEs, as the main players in the market, have also developed rapidly and have played an important role in the aspects of the national economy and social life. However, in recent years, some problems have arisen in financing for SMEs in our country. Especially for banks, where both parties have the risk of lending, this has also drawn the attention of the enterprises themselves and the banks as the development of the national economy for the small and medium-sized enterprises that make up the majority of all enterprises in our country Therefore, in order to make SMEs develop better and faster, we must analyze the SMEs’ risk in respect of bank loans according to the characteristics of SMEs, and find out the appropriate countermeasures in a timely manner. This article mainly analyzes and explores the risks of SME loans so as to find out the countermeasures that can achieve a win-win situation between enterprises and banks. On the one hand, it can solve the financing problems of SMEs, on the other hand, it can reduce its risk as much as possible Loan risk.