中小企业的信贷风险与防范策略——以浦发银行沈阳支行为例CreditRisksandPreventionStrategiesofSmallandMedium-SizedEnterprises——TakeShanghaiPudongDevelopmentBankShenyangBranchasanexample摘要中小企业是我国社会主义市场经济体制的重要组成部分，是促进我国经济稳定发展的一支重要力量。在当前的发展状况下，中小企业数量迅速增加，对我国经济的发展起到一定的促进作用。为了扶持中小企业，国家出台了财政扶持政策，以扶持中小企业。近年来，浦发沈阳支行为了满足国家对中小企业贷款的需求，在发展中小企业信用业务的同时，其业务风险也日益突出。近年来，我国整体经济形势持续低迷，发展缓慢，中小企业容易受到经济冲击，经营困难，同时，由于自身特点，存在着经营风险，抵押担保物不足，信贷风险大，银行不良贷款风险大，不良贷款率高，为此，对浦发银行沈阳分行的中小企业信用风险进行了分析，认为加强对中小企业的信用支持，既能推动企业的持续发展，又能有效地减少风险，从而使浦发银行沈阳分行的业务发展和扩大市场份额。本文旨在通过对信用风险的分析与讨论，建立一套切实可行的信用风险预防机制。关键词：中小企业；信贷风险；防范策略CreditRisksandPreventionStrategiesofSmallandMedium-SizedEnterprises——TakeShanghaiPudongDevelopmentBankShenyangBranchasanexampleAbstractSmallandmedium-sizedenterprisesareanimportantpartofmycountry'ssocialistmarketeconomicsystemandanimportantforcetopromotethestabledevelopmentofmycountry'seconomy.Underthecurrentdevelopmentsituation,thenumberofsmallandmedium-sizedenterpriseshasincreasedrapidly,whichhasplayedacertainroleinpromotingthedevelopmentofmycountry'seconomy.InordertosupportSMEs,thestatehasintroducedfinancialsupportpoliciestosupportSMEs.Inrecentyears,inordertomeetthecountry'sdemandforSMEloans,SPDBShenyangSub-branchhasdevelopeditsSMEcreditbusiness,butitsbusinessriskshavebecomeincreasinglyprominent.Inrecentyears,mycountry'soveralleconomicsituationhascontinuedtobesluggishanditsdevelopmenthasbeenslow.Smallandmedium-sizedenterprisesarevulnerabletoeconomicshocksandhaveoperationaldifficulties.Atthesametime,duetotheirowncharacteristics,thereareoperationalrisks,insufficientmortgagecollateral,highcreditrisks,andhighriskofnon-performingbankloans.Theloanrateishigh.Therefore,thispaperanalyzesthecreditriskofsmallandmedium-sizedenterprisesinShenyangBranchofShanghaiPudongDevelopmentBank,andbelievesthatstrengtheningthecreditsupportforsmallandmedium-sizedenterprisescannotonlypromotethesustainabledevelopmentofenterprises,butalsoeffectivelyreducerisks,sothattheShenyangbranchofShanghaiPudongDevelopmentBankcaneffectivelyreducerisks.Branchbusinessdevelopmentandmarketshareexpansion.Thispaperaimstoestablishasetofpracticalcreditriskpreventionmechanismthroughtheanalysisanddiscussionofcreditrisk.KeyWords：SMEs；creditrisk；preventionstrategies目录摘要.....................................................................................................................................IAbstract..................................................................................................................................II引言....................................................................................................................................1一、浦发银行沈阳支行实习工作概况................................................................................2（一）浦发银行沈阳支行概况.....................................................................................2（二）浦发银行沈阳支行实习岗位介绍.............................
