Small And Medium-sized Enterprises Credit Financing Analysis And Risk Early Warning System Design And Implementation

Since the founding of new China, our country economic system to reform pace isaccelerated ceaselessly, our country small and medium-sized enterprise the contribution tonational economy is more and more big, however, answer relatively with this, the financing ofSMEs have not been given sufficient attention, and it is difficult for the contribution to thenational economy to match, the difficult problem of financing become severely restricts thesmall and medium-sized the main problems in the development of enterprises. Until the endof2011, the small and medium-sized enterprises have accounted for all kinds of enterprisesand more than99%of the total, become the major force in economic development, hasbecome the economic development and social stability of the main force. At present, morethan60%of the amount of GDP,60%of the total import and export volume, the65%nationalinvention patents,80%new product development innovation comes from the small andmedium-sized enterprises, while small and medium enterprises for international pays closeattention to generally obtain employment problem has played a positive role, to absorb morethan half of the new employment and70%above the transfer of rural labor.The country implements moderately tight monetary policy since2011years, the problemis the financing of each enterprise one of the important issues facing the financing of smalland medium-sized enterprises, which becomes the focus of.How to solve the financingdifficulties has become the government, enterprises and research scholars of commonconcern.In this paper, the bank information system risk management perspective, to analyzethe financing predicament of small and medium enterprises.At the same time in reference toTaiwan area on the basis of experience, put forward some countermeasures and suggestions.The content of this paper mainly includes six parts, the first chapter is the introduction,introduced this topic research background, research significance, domestic and internationalliterature review and the overall framework; Second chapter is the related technology,combined with the working practice of Shanghai Pudong Development Bank Ji’nan branch ofthe bank information risk management system, introduced with emphasis the ShanghaiPudong Development Bank risk early warning system the design and the realization, to solvethe problem of financing small and medium enterprises credit plays a very important role, toresolve the problem of asymmetric information, while the analysis of the credit financingrelated theory and the small and medium-sized enterprise credit financing way; In the thirdchapter, the Union Bank of risk of information system on the basis of the analysis of smalland medium enterprises credit the predicament of financing; The fourth chapter analyzes the China Taiwan enterprise management pattern of small and medium-sized enterprises;The fifthchapter of bank risk management system is proposed to solve the SMEs financing problemcountermeasure proposal;The sixth chapter is the conclusion, including the main researchconclusion and the existing deficiency of the two component.