Basing on the loan practice of SMEs and the analysis of risk Identification theory in or outside of China, the risk formation mechanism of single and total risk of SEL is analyzed.

• 本文在国内外中小企业贷款实践与风险识别研究理论分析的基础上，剖析了专项委托贷款的个体贷款风险和整体贷款聚集风险的形成机理。