贷款管理是指与贷款相关的一系列制度、体系、法规、规定的总和。中小企业经营的特点决定了为其贷款存在着一定的风险，
正因为如此，我们才要加强对中小企业的贷款管理。在明确中小企业及贷款管理的定义后，论述我国中小企业贷款管理的现状，结合国外一些发达国家的先进经验，运用资产管理的基本理论及其他相关理论为基础揭示我国中小企业贷款管理中存在的问题及原因，提出了改进我国中小企业贷款管理的相关政策、信用等政策方面的建议及一些合理化的做法。
关键词：中小企业；贷款管理；担保制度
Abstract
Loan management means that loan refers to a series of related systems: laws ，regulations and the provisions of the sum. Characteristic of small and medium-sized corporations loans for the existence which has a certain degree of risk, which is why we must strengthen the management of small and medium-sized loans. SMEs and loans in the clear definition of management, discussed the management of SME lending in China the status quo, combined with foreign advanced experience of some developed countries.The basic theory of the use of loans and related theory-based small and medium enterprises in China reveal the existence of loan management problem and the reasons put forward to improve the management of China's SME lending policies, credit policies and some recommendations to rationalize practices.
Keywords：Small and medium-sized corporation; loan management; Security system
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