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2012年以来,我国各项宏观经济数据呈现持续回落,进出口、固定资产投资、居民消费等“三驾马车”拉动经济的动力持续消退,宏观经济增速的回落带来了一系列的严重后果,国内各个行业的运行出现回落,原有的产能过剩情况进一步加剧,其中最为明显的就是行业内的中小企业经营情况出现恶化,甚至在部分地区出现了中小企业批量倒闭现象,并进而导致了商业银行不良贷款率的上升。本文探讨商业银行如何在宏观经济下行的周期过程中,准确地把握中小企业融资需求特点,辅以针对性风险控制对策。
Since 2012, all macroeconomic data in China have been continuously declining. The momentum of stimulating economic activities such as import and export, investment in fixed assets and household consumption continued to subside. The decline in macroeconomic growth has brought a series of As a result, the operation of various industries in the PRC declined and the original overcapacity further aggravated. The most obvious one was the deterioration in the operation of SMEs in the industry, and even led to the mass collapse of SMEs in some areas, which in turn led to The rise in the non-performing loan ratio of commercial banks. This article explores how commercial banks accurately grasp the financing needs of SMEs in the cycle of macroeconomic downturn, supplemented by targeted risk control measures.