论文部分内容阅读
近年来,围绕小企业融资难的问题,我国先后出台了多项措施,培育和完善金融服务体系,不断引导金融机构加大对小微企业的支持力度。其中,无需抵押物的信用贷款成为了主流。无抵押贷款,又称无担保贷款,是指不需要借款人或第三方依法提供担保而发放的贷款。无抵押贷款在我国商业银行贷款体系里,尚属新生事物,其监督体系还没有明确建立起来,因此本文分析无抵押贷款的风险问题,并尝试提出一些防范措施。
In recent years, around the financing difficulties of small enterprises, China has promulgated various measures to nurture and improve its financial service system and continuously guide financial institutions to step up their support for small and micro enterprises. Among them, the mortgage loans without collateral became mainstream. Unsecured loans, also known as unsecured loans, are loans that do not require the borrower or a third party to provide guarantees in accordance with the law. Unsecured loans in China’s commercial bank loan system, is still a new thing, the supervision system has not been clearly established, so this paper analyzes the risk of unsecured loans and try to put forward some preventive measures.