扶持小企业发展是我国政府在经济领域的一项重要战略举措。近年来,国内股份制商业银行相继开办了小企业贷款业务并提供配套金融服务,目前,此项业务保持了高速发展态势。特别是中小银行更是将发展小企业贷款业务作为提升核心竞争能力,丰富产品特色的一项重要举措。然而,小企业贷款业务在高速发展的过程中由于种种主客观原因,潜伏着风险的集聚。因此,中小银行识别、防范、监控这些风险刻不容缓。一、小企业贷款风险的特殊性 Supporting the development of small businesses is an important strategic move of our government in the economic field. In recent years, the domestic joint-stock commercial banks have set up small-business loan businesses and provided supporting financial services in succession. At present, the business maintains a high-speed development trend. In particular, small and medium-sized banks have taken the development of small enterprise loan business as an important measure to enhance their core competitiveness and enrich their product features. However, due to various subjective and objective reasons, the small enterprise loan business lurks risk concentration in the rapid development. Therefore, it is imperative for small and medium-sized banks to identify, prevent and monitor these risks. First, the particularity of the risk of small business loans