在金融危机冲击下,欧美日等发达国家的经济已先后步入衰退,国际市场需求大幅萎缩,我国成千上万的外向型中小企业陷入困境。理性的商业银行为防范可能出现的信贷风险,对这些外向型中小企业的贷款行为更趋谨 Under the impact of the financial crisis, the economies of developed countries such as Europe, the United States and Japan have stepped into recession one after another, the demand in the international market has shrunk dramatically, and tens of thousands of export-oriented SMEs in China have been in trouble. Rational commercial banks to guard against possible credit risks, these export-oriented SMEs more lending behavior