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随着社会的不断进步,几乎每一天都会有各种形式的新兴企业出现在人们的生活中,相应的,也有大量的企业由于各种各样的原因濒临破产或破产。近几年来,中小型的企业发展尤为迅速,并已逐步成为我国经济的重要组成部分。然而,由于规模上受制约、财务制度不完善,有很大一部分商业银行不愿意冒风险将资金注入给此类企业,严重制衡着我国中小型企业的发展。本文旨在提示为中小企业发放贷款时商业银行所面临的风险及应采取的防范措施。
With the continuous progress of the society, there are almost all kinds of emerging enterprises emerging in people’s daily life almost every day. Correspondingly, a large number of enterprises are on the brink of bankruptcy or bankruptcy due to various reasons. In recent years, the development of small and medium-sized enterprises has been particularly rapid and has gradually become an important part of our economy. However, due to the restricted scale and the imperfect financial system, a large part of commercial banks are reluctant to inject funds into such enterprises and severely check the development of small and medium-sized enterprises in our country. The purpose of this article is to show the risks that commercial banks face when lending SMEs and the precautions to be taken.