中小企业贷款常见问题与对策研究——以招商银行沈阳支行为例ResearchonCommonProblemsandCountermeasuresofSmallandMediumEnterpriseLoans——TakeChinaMerchantsBankShenyangBranchasanexample摘要伴随着我国经济的蓬勃发展，国内的经济市场一片向好，其中中小企业作为我国经济市场的重要组成部分，国家也出台了很多的政策加以扶持。例如，为了减轻中小企业发展的压力，国家制定了很多的贷款政策，目的是通过活跃的市场资金来助力中小企业的发展和壮大。但是，随着市场和需求的不断壮大，越来越多的中小企业都使用了这样的好政策，这也导致了一些问题出现，比如说企业经营中出现了问题，贷款无法及时偿还等，这些都使政策的落地受到了影响。对于银行来说，为了自己的资金安全，势必会加强中小企业贷款的审查力度，甚至是缩减贷款额度等，这就导致市场的发展出现更多问题。为了维持市场的有序发展，使市场保持在一个健康的状态，就需要针对中小企业的贷款问题展开研究，分析其出现问题的原因所在，然后主动地进行防范，避免不良影响的出现。因此，研究中就通过结合招商银行沈阳银行的发展状况，针对其中小企业贷款常见的问题展开了研究，并对如何解决这些问题提出了一些对策，希望能够对招商银行沈阳支行更好的开展中小企业贷款业务发展提供思路借鉴。关键词：中小企业；银行；贷款ResearchonCommonProblemsandCountermeasuresofSmallandMediumEnterpriseLoans——TakeChinaMerchantsBankShenyangBranchasanexampleAbstractWiththevigorousdevelopmentofmycountry'seconomy,thedomesticeconomicmarketisimproving.Amongthem,smallandmedium-sizedenterprises,asanimportantpartofmycountry'seconomicmarket,havealsoissuedmanypoliciestosupportthem.Forexample,inordertoreducethepressureonthedevelopmentofsmallandmedium-sizedenterprises,thestatehasformulatedmanyloanpolicies,withthepurposeofhelpingthedevelopmentandgrowthofsmallandmedium-sizedenterprisesthroughactivemarketfunds.However,withthecontinuousgrowthofthemarketanddemand,moreandmoresmallandmedium-sizedenterpriseshaveadoptedsuchagoodpolicy,whichhasalsoledtosomeproblems,suchasproblemsinbusinessoperations,andtheinabilitytorepayloansintime.Allhaveaffectedtheimplementationofthepolicy.Forbanks,forthesafetyoftheirownfunds,theyareboundtostrengthenthescrutinyofSMEloans,andevenreducetheloanamount,whichleadstomoreproblemsinthedevelopmentofthemarket.Inordertomaintaintheorderlydevelopmentofthemarketandkeepthemarketinahealthystate,itisnecessarytoconductresearchontheloanproblemofsmallandmedium-sizedenterprises,analyzethereasonsfortheproblems,andthentaketheinitiativetopreventandavoidadverseeffects.Therefore,intheresearch,basedonthedevelopmentofChinaMerchantsBankShenyangBank,thecommonproblemsofitssmallandmedium-sizedenterprisesloanswerestudied,andsomecountermeasureswereputforwardtosolvetheseproblems,hopingtobetterdevelopsmallandmedium-sizedenterprisesinShenyangBranchofChinaMerchantsBank.Provideideasforreferenceforthedevelopmentofcorporateloanbusiness.KeyWords：SMEs;Banks;Loans目录摘要.....................................................................................................................................IAbstract..................................................................................................................................II引言....................................................................................................................................1一、招商银行沈阳支行实习工作概况................................................................................2（一）招商银行沈阳支行概况.............................................
