The Study Of Small And Medium Enterprise Credit Risk Control In Commercial Bank Customer

In the current society, small and medium-sized enterprises play an important role in the national economic development.They are the main source of customers of commercial banks.Small and medium-sized enterprise customers constitute the base of commercial bank customers and play an important role on the development of commercial bank.The risk management of banks focus on credit risk control in commercial banks.Small and medium enterprise credit risk control is greater difficulty than big company.For example:(1)The distortion of the accounting information.It is difficult to verify its actual assets, actual ability of debt paying through public.(2) Information asymmetry. We have not many channel to access to real information of the enterprises.(3) small and medium-sized enterprises is smaller, informal,low cost of breach of contract and more risk.(4)The big moral risk. They often provide false materials,and cheat for the load.In domestic commercial banks, credit risk control of small and medium-sized enterprises is based on the general business credit risk control, and refine.They have the same of the main measures to control the risk. Commercial banks require to based on the small and medium-sized enterprise business rules and risk characteristics, pay attention to the small enterprise non-financial information, control the character of the risk combined with the financial situation, security, strengthen the credit investigation and credit checks, take strict precautions against all kinds of risks, to ensure the safety of funds.The author accumulated experience in credit review work. The paper summarized some commercial bank small and medium enterprise customer credit risk control methods,combined with four real case, including:(1) Attention to corporate actual controllers of the personal ability and character.(2)Don't load to enterprises of bad faith.(3) Pay attention to the characteristics of the industry, collect and utilize industry the information.(4) Pay attention to the legal risk, strictly examine the important legal text details. We hope it can help the banks to control credit risk of small and medium-sized enterprises through this article.