The Research Of The Solution For Commercial Bank Loans To SMEs

??SMEs are the major force of China's economic development, but the lack of development funds, lack of financing is an important factor causing mortality of SMEs, but also caused great waste of social resources. In contrast, China's commercial banks despite the large amount of money, but unwilling to lend to SMEs. The reason is risk, information asymmetry.How to encourage commercial banks to lend to SMEs to obtain much-needed funds; how to benchmark interest rates for SMEs with relatively "high" price of some of the right to use to obtain bank financing. We urgently need an effective credit risk management system to control credit risk while the banks with relatively high interest rates to compensate for expected risk.Firstly, through macro-analysis, examples of interpretation both small business loans in China are introduced. Secondly, market positioning, marketing models, risk analysis, risk management, four aspects of the current mainstream of small business loans solutions. Then, introducing the characteristics of credit risk models and credit risk through the model case illustrates the practical application of the commercial banks. Finally, the combination of learning theory and the pricing of credit risk model knowledge for SME lending and pricing analysis. Commercial Bank of China practice and its theoretical explorations pricing path sum, sum up and put forward their own solutions.Through research, aimed at Chinese commercial banks lending to SMEs to establish a scientific and reasonable solution to provide some inspiration to achieve innovation and development.