经济新常态下中小企业信用风险研究
摘 要
经济新常态下，中国经济迅速增长，但与此同时，金融风险也在随之加大。在金融体系中，中小企业的作用和地位越来越重要,中小企业发展过程中的融资问题也越来越受到各界的重视，中小企业由于规模较小，盈利能力较差，资金周转不足等原因，信用风险激增从而导致金融风险大大加重。中小企业融资部分中外源融资的一大重要组成部分就是商业银行信贷资金,向中小企业合理投放信贷资金是解决中小企业发展中资金约束问题的重要途径。商业银行建立起完善的中小企业信用风险管理机制不仅对中小企业的发展与融资具有积极意义,而且对于商业银行本身提高盈利能力和促进市场资源合理配置也具有很强的现实意义。
本文从中小企业入手，围绕以商业银行为代表的中小企业对信用风险管理进行研究，提出中小企业、信用风险等理论概念，随后分析中小企业现状，找出中小企业信用风险管理的问题、分析成因并给出对策与建议，旨在研究中小企业如何在经济新常态的背景下，保持高效率的业务发展水平，稳定营业以及保证市场经济健康运行。
关键词：中小企业；信用风险；商业银行
Research on the Credit Risk of Small and Medium-sized Enterprises under the New Normal of Economy
Abstract
Under the new normal of the economy, China#39;s economy is growing rapidly, but at the same time, financial risks are also increasing. In the financial system, the role and status of Small and medium-sized enterprises are becoming more and more important, and financing issues in the development of Small and medium-sized enterprises have also attracted more and more attention from all walks of life. Due to small scale, poor profitability, insufficient capital turnover and other reasons, the credit risk of small and medium-sized enterprises has increased sharply, which has greatly increased the financial risk. Commercial bank credit funds are an important part of foreign financing in the financing of small and medium-sized enterprises. The reasonable investment of credit funds to small and medium-sized enterprises is an important way to solve the problem of financial constraints in the development of small and medium-sized enterprises. The establishment of a sound credit risk management mechanism for small and medium enterprises by commercial banks is not only of positive significance for the financing of small and medium enterprises, but also has a strong practical significance for the current commercial banks to deal with fierce competition in the industry and improve their profitability.
This article starts with small and medium-sized enterprises, focuses on the research on credit risk management of small and medium-sized enterprises represented by commercial banks, proposes theoretical concepts such as small and medium-sized enterprises and credit risk, and then analyzes the status quo of small and medium-sized enterprises, finds out the problems of SME credit risk management, and analyzes the causes It also gives countermeasures and suggestions to study how small and medium-sized enterprises can maintain high-efficiency business development levels, stabilize operations and ensure the healthy operation of the market economy under the background of the new economic normal
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