At last we suggest that we should strengthen the risk management of small and medium size bank from five aspects . including strengthen the inner control , improve the technique level of risk management , solve the problem of non - performing loan , adjust the credit orientation and structure , improve the outer operating environment 并从五个角度探讨了加强中小银行风险管理的策略和手段，包括加强信贷的内部监控机制、提高其信贷风险管理的技术水平、综合化解不良资产存量、调整信贷投向结构以及努力改善中小银行的外部经营环境。
This paper presents the credit risk " s definition , how to distinguish a credit risk it " s requirements of emerging , and an usual methods of credit risk management . related to the situation of china " s commercial banks it analyses the presents , characters and courses of the credits risk in china " s commercial banks 本文从理论上阐述了信贷风险的识别、界定、产生的条件，信贷风险管理的一般内容与方法。结合我国商业银行的现状，分析研究我国商业银行信贷风险的表现、特征及产生的原因。
According to the requirement , the paper combined with the task - " the research of loans risk management based on the integration of ann ( artificial neural network ) and es ( expert system ) " which is supported by national science foundation of china . set forth using ai ( artificial intelligence ) technology on the basis of knowledge management to research the loans risk management and control 本文正是适应这种需要，并结合国家自然科学基金项目《基于神经网络与专家系统结合的银行贷款风险管理研究》的研究任务，提出以知识管理为基础、人工智能技术为手段、面向贷款风险分类，进行信贷风险管理和控制研究。
The paper mainly studies the small enterprises " credit financing & risk management in the process of transition economy and gradual reform firstly , the paper begins with the financing structure of small enterprises , compares the data home & abroad , and analyses the financing order and the institutional inducement of small enterprises . then , the author interprets the small enterprises " credit financing difficulty from the aspect of finance system and emphasizes on the special colony - high - tech small enterprise , and also analyses its actuality , characteristic and reasons which lead to its financing difficulty . based on the above , the article tries to implement the credit risk management so as to reduce the information asymmetry in the dealing between bank and enterprise , therefore , enhancing the credit - availability of small enterprises 文章首先从中小企业融资结构入手，结合国内外相关数据，分析了中小企业的融资顺序及其形成的制度诱因；接着，结合理论与实证，从金融制度方面解释了中小企业的信贷融资困境，并着重剖析了其中的特殊群体? ?科技型中小企业信贷融资现状、特点及其困境的形成原因，文章认为，信贷风险与收益的不匹配是导致(科技型)中小企业信贷融资困境的主要因素；在此基础上，文章尝试从化解信贷风险? ?实行信贷风险管理的角度来缓解银企交易中的信息不对称，从而提高中小企业的信贷可得性。
