中小企业信贷业务发展中存在的问题及对策

Problems and Solutions of Credit Service for SMEs in China

中文关键词:  中小企业  金融服务  商业银行改革

英文关键词:Small and Medium-sized Enterprises(SMEs)  financial service  commercial bank reform

中文摘要:

      商业银行对中小企业融资规模与中小企业旺盛的金融需求之间存在相当大的差距,多数银行未能有效建立完善的中小企业金融服务机制,包括利率风险定价机制、高效审批机制、违约信息通报机制,中小企业金融产品体系不健全等。商业银行应该加强专业管理,为中小企业提供“一站式”、全功能的专业化服务平台;围绕价值链增值开拓中小企业金融服务市场;改进风险识别手段,建立完善的信贷退出机制,对中小企业客户群进行动态控制。

英文摘要:

      There is a great gap between commercial bank's financing service ability and strong credit requirement of Small and Medium-sized Enterprises(SMEs) in China.Most banks have failed to effectively establish a sound mechanism for SMEs,including interest rate risk pricing mechanism,efficient approval mechanism,and information notification mechanism.Moreover,the product line of bank cannot meet the demand of SMEs.To solve the problems,this paper proposes that commercial banks should strengthen the professional management to provide "one-stop" and full-functional platform for SMEs.It also points out that the banks should develop more business opportunities with a focus on the value chain of SMEs,and improve risk identification system and establish credit withdrawal method to make dynamic risk control system.