| The credit risks of SMEs (Small and Medium-sized Enterprises) have become a important problem which is focused by the commercial banks and the SMEs. Solving this problem not only can help the commercial banks avoid, control the credit risks and develop stably, but also can help the SMEs obtain the bankroll and grow healthily.Now the measures of avoiding the credit risks emphasize particularly on the Pre-loan Tache and Mid-loan Tache, Post-loan Tache is comparatively weak. Especially in the face of SMEs, these measures gain few effects. Financial diagnosis is adopted in this dissertation to avoid the credit risks of SMEs in Pre-loan Tache, Mid-loan Tache and Post-loan Tache. The aim about the commercial banks effectively avoid, control the credit risks and the SMEs make quiet great progress will come true soon.First, the dissertation analyses the origin and avoiding status about the credit risks of SMEs, and demonstrates the rationality that commercial banks avoid the credit risks by using financial diagnosis from technologic, informational, human aspects.Then, the dissertation adopts financial diagnosis to construct the applicable financial diagnosis system which is composed of financial analysis, financial forecasting and financial crisis alarm. Based on it, the new system of avoiding the credit risks of SMEs is founded, which focuses on Pre-loan Tache and Post-loan Tache.Last, the dissertation expatiates the commercial banks how to avoid the credit risks of SMEs by using financial diagnosis on Pre-loan Tache and Post-loan Tache. On Pre-loan Tache, the commercial banks discriminate and select the eligible SMEs as the credit objects by using financial diagnosis to stop "disease come from mouth", and discover and foster the potential SMEs to gain the long-term profits. On Post-loan Tache, the commercial banks forecast the SMEs' financial crisis to take measures to avoid it ahead, and improve the SMEs' management to enhance their refund ability and reduce the credit risks. |
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