The Comparison and Research on the Risk Control over the Global SMEs Loans



It is an ubiquitous question that it is difficult to get the loans for SMEs not only in the domestic banking sector but also in the world banking sector. One of the important reasons is the difficulty to manage the credit risk. The article analyses and compares the credit risk management of Chinese and foreign banks for small and medium-sized enterprises (SMEs) and gives some suggestions about credit risk management for Chinese commercial banks.
Key words: foreign banks, small and medium-sized enterprises, risk management
Résumé C’est un problème universel pour les prêts bancaires des PMEs dans les banques domestiques et internationales. Une des raisons les plus importantes est la difficultés à manager les risques du crédit. Cette thèse fait une analyse et une comparaison sur les risques du crédit par les banques domestiques et internationales aux PMEs, en fournissant des propositions des moyens très avancés des deux derniers pour construire dès possible un système de management des risques du crédit afin de réduire les difficultés des prêts des PMEs.
Mots-clés : banques étrangères, PMEs, management des risques
摘 要 無論是在國內銀行業還是在世界銀行業,中小企業貸款難都是一個普遍存在的問題。而導致中小企業貸款難的一個重要原因就是銀行對其風險難以控制。本文通過對中、外銀行對中小企業信貸風險控制的比較,提出了借鑒國外銀行的先進做法,儘快建立合適的風險方法系統的對策建議,以緩解中小企業貸款難的問題。

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