论文部分内容阅读
据银监会统计数据显示,截至2010年12月末,我国银行业金融机构小企业贷款增速比各项贷款平均增速高10.37个百分点。虽然小企业贷款的市场规模在不断扩大,但由于金融机构受到资本压力和贷款规模限制的约束,再加上小企业与生俱来的劣势,往往使银行陷入规避风险还是追逐利润的两难境地。出现上述情况的主要原因是小企业授信风险
According to China Banking Regulatory Commission statistics show that as of the end of December 2010, China’s banking sector financial institutions small business loans growth than the average growth rate of 10.37 percentage points higher. While the market for small business loans is expanding, the constraints of capital pressure and loan size constraints on financial institutions, coupled with the inherent disadvantages of small businesses, often put banks in a dilemma of risk aversion or profit chasing. The main reason for the above situation is the credit risk of small enterprises