摘要：中小企业是我国国民经济发展不可或缺的一部分，其融资供应主要来自商业银行贷款。但是由于中小企业本身的局限性和经济大环境的影响。如市场竞争、信息不对称、担保体系、商业银行信贷管理水平和政策环境等方面的原因，商业银行对中小企业提供信贷的风险日益加剧，如何实现银企双赢已是亟待解决的问题，尤其在后金融危机时代如何发挥充分信贷的重要作用并做好风险防范，对于支持中小企业发展具有非常重要的现实作用和意义。文章从我国中小企业的特点，中小企业信贷的现状，中小企业存在的信贷风险原因，以及商业银行对信贷风险的控制和防范等方面加以阐述，就如何解决上述问题给予总结，并加以若干建议。

关键词：中小企业；信贷风险；商业银行；防范

Abstract:SMEs are an integral part of our national economic development and its financing is primarily from commercial bank loans, but due to the limitations of the SMEs themselves and the impact of the economic environment. However, the risk is increasing due to market competition, asymmetric information, security system, commercial banks, credit management level and the policy environment and other reasons, the commercial banks to provide credit to SMES, banks and enterprises a win-win is an urgent problem. How to play an important role of the full credit, especially in the post-financial crisis era and make risk prevention, support the development of small and medium-sized enterprises have a very important practical role and significance. The article elaborated in terms of the characteristics of SMES in China, the status of the SME credit, SME credit risk, as well as commercial banks for credit risk control and prevention.

Keywords:SME; credit risk; commercial banks; prevention.