Research On SME Credit Risk Control About Commercial Banks

Since the Reform and Opening, China has rapidly developing economic, gradually increasing national strength and undergone tremendous changing economic system. Its economic landscape gradually forms of public ownership economy as the dominant role and diverse forms of ownership developing. A huge number of SMEs has played a very important role in economic development, with lots of policies, research support mechanisms of SMEs, especially the issue of credit facilities for SMEs. Most of the articles analyze the initial state of small and medium enterprises, as well as operational problems arising from difficulties in financing, with a number of financing solutions. But few articles are from the perspective of commercial banks, especially from the perspective of credit risk tool and flow-controlling system.This paper bases on the current development of SMEs and financing conditions, and analyze the financing difficulties and SMEs credit risk controlling mechanisms, information collection, SMEs credit risk control tool construction, flow-controlling system as the focus. Construction and risk control process management tools is the focus of the article. This paper is divided into five chapters, deeply analyzing the development of China's commercial banks in SME credit risk control issues. Chapter 1 is the introduction, including the background, significance, research methods and structure; Chapter 2 is domestic and foreign literature reviews;Chapter 3 analyzes the risks of SMEs' credit in the commercial banks, including the risks and its causes; Chapter 4 analyzes management tools in commercial bank credit risk, including difficulty and innovation in SMEs credit risk rating, SMEs rating index system and the building and application of SME credit risk rating models; Chapter 5 describes the risk of commercial banks in SME credit control process management, including management of the implementation process of credit risk control, credit management process and its key institutions and personnel to set job responsibilities and basic processes of risk control management; Chapter 6 analyzes SME credit risk control several recommendations, including fully understanding practical significance of SMEs, establishing a modern commercial bank risk management to adapt the concept of rish-managing banks, establishing a whole process of risk management system.