通过分析小企业客户在信贷业务审批前期阶段、审批中间阶段、审批后期阶段授信过程中可能存在的主要风险类型及其原因,提出了加强小企业风险识别、计量、技术控制的相应建议,以加强对小企业客户金融服务的风险管理,促进小企业健康发展。 By analyzing the main types of risk and their reasons that small business customers may have in the early stage of approval of credit business, the intermediate stage of approval and the approval of late stage credit, some suggestions on how to strengthen the risk identification, measurement and technical control of small business are put forward to strengthen Risk management for small business customers in financial services to promote the healthy development of small businesses.