长久以来,大型企业一直是商业银行公司业务营销战略的重点。相对于大型企业,中小企业抗风险能力较弱,违约可能性更高,商业银行大多持非常审慎的授信态度。但随着信贷市场竞争的日趋激烈、利率自由化进程的不断加快和银行资本约束的增强,银行对大型企业的授信正面临着营销成本上升,收益不断下降的趋势。在中国银行业统筹实施“巴塞尔协议Ⅱ”和“巴塞尔协议Ⅲ”的未来若干年里,有效控制中小企业的授信风险不仅可 For a long time, large companies have been the focus of business marketing strategies for commercial bank companies. Compared with large-scale enterprises, SMEs have a relatively weak anti-risk ability and a higher probability of default. Most commercial banks hold very cautious credit granting attitudes. However, with the increasingly fierce competition in the credit market, the continuous acceleration of interest rate liberalization and the increase of bank capital constraints, banks’ credit to large enterprises is facing the trend of rising marketing costs and declining returns. In the coming years in which the Chinese banking industry will comprehensively implement “Basel II” and “Basel III”, controlling the credit risk of SMEs effectively not only