本文从多年小微企业信用贷款实践经验出发,提炼出小微企业信用风险演进模型,用以指导小微企业风险控制人员风控实务。小微企业信用风险控制的解决之道,应当从小微企业信用风险爆发根源出发,追本溯源。如果我们把握了小微企业信用风险发生的原因、演变路径、表现征兆,自然找到识别风险、监控风险、预判风险甚至处置风 This article, based on many years of experience in credit lending of small and micro enterprises, has refined the credit risk evolution model of small and micro enterprises to guide the risk control of small and micro enterprises in the risk control practice. The solution to the credit risk control of small and micro enterprises should trace the source of the outbreak of credit risk in small and micro enterprises. If we grasp the reasons for the occurrence of the credit risk of small and micro enterprises, the evolution path, the performance of signs, find the natural identification of risk, monitoring risk, the risk of pre-judgment or even dispose of the wind