The Government In Small And Medium-Suzed Entrprise Credut Risk Prevent Ion And Control In The Role

Along with our country economy development of high speed rapid, and small and medium-sized enterprises in economic tide of began to play an increasingly important role. Small and medium-sized enterprises in China's social and economic development is an important political and economic status. According to concerning sectional statistics show that at present our country registration of small and medium-sized enterprises in the national enterprise 99% of all of the small and medium-sized enterprises, circulation field of the national retail outlets, provide more than 90 percent of the jobs accounts for the town 75% of total employment. China's small and medium-sized enterprise gross industrial output, sales income, realize profits tax, export total national accounted for 60%,57%,40% and 60%. Judging from these data, and small and medium-sized enterprises is the coordinated development of national economic health is an important foundation, national finance income especially stable source of local fiscal revenue, establish the system of socialist market economy, social stability of microeconomic foundation is the important guarantee, the government focused grasp "big" promise and prerequisite, encourage private investment in the important carrier, the development and the construction of small towns in national economic subject, plays an important role, irreplaceable status and role.How to more effectively and rapidly developing small and medium-sized enterprise is solved urgently in our country at present an important problem. Among them, how to solve the difficulty in financing smes is most important. The financing difficulty in solving the problem of commercial Banks began to play an increasingly important role. Small and medium-sized enterprises, especially the medium and small enterprises in China in its own growth process, especially special growth environment resulted in the medium and small enterprises in China, there exist some congenital deficiency disorder, such as organization management responsibility is unknown, honesty consciousness leads to its existence, such credit risk for how our commercial Banks in offer for its good under the premise of the financing support credit risk to the minimum posed a challenge. This requires commercial Banks really study their smes' credit business risk control, set up a set of risk control system, to ensure the normal development of the business for small and medium-sized enterprise development, thus providing financial support, but also for commercial Banks to spread money risk, improve their competitive ability of commercial Banks to provide useful help. I stood in the Angle of commercial Banks, to contractor's bank, ltd., as the breakthrough point, according to the characteristics of small and medium-sized enterprises to small and medium-sized enterprise credit business, organization structure and business process reengineering, developing small and medium-sized enterprise credit business and variety innovation two aspects to effectively reduce the risk of smes'credit put forward some personal opinions.