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，中小企业是一大重要组成部分。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。中小企业主要通过外部融资即依靠商业银行投放的信贷资金来解决资金问题，该融资形式大大加重中小企业信用风险程度，限制了中小企业的发展。因此在新经济常态下商业银行对中小企业进行信用风险研究不仅可以促进中小企业的发展，而且对整个金融体系中存在的金融风险管理具有现实意义。
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，提出新经济常态、中小企业、信用风险等理论概念，随后分析中小企业信用风险现状，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, small and medium-sized enterprises are an important component. Due to their small scale, poor profitability, insufficient capital turnover, and other reasons, small and medium-sized enterprises have sharply increased their credit risk, which has greatly increased their financial risks. Small and medium-sized enterprises mainly use external financing, that is, relying on credit funds issued by commercial banks to solve their financial problems. This form of financing greatly increases the credit risk of small and medium-sized enterprises and restricts the development of small and medium-sized enterprises. Therefore, under the normal state of the new economy, commercial banks#39; credit risk research on small and medium-sized enterprises can not only promote the development of small and medium-sized enterprises, but also has practical significance for the financial risk management existing in the entire financial system.
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 the new economic normal, small and medium-sized enterprises, and credit risk, and then analyzes the current status of credit risk of small and medium-sized enterprises, and finds out the credit risk of small and medium-sized enterprises. Management problems, analysis of causes, and countermeasures and suggestions are provided, aiming to study how small and medium-sized enterprises can maintain a high-efficiency business development level, stabilize operations and ensure the healthy operation of the market economy under the background of the new economic normal.
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