The SME Network Bank Credit Mode And Risk Control

Under current domestic and international economic environment, the deep-seated impact of the international financial crisisis still apparent. Domestic economy increased downward pressure on the problem of financing has become the bottle neck in the development of many enterprises, especially serious for small and development of many enterprises serverly. Traditionak credit under writing standards and credit system standard can not be widely applicable to small and medium enterprises, making it still higher in the bank’s loan threshold. although traditional banks not actually pay much attention to SMES customers. As a new financing channel, the network bank credit started to appear in the field of vision of the SME. Especially in the case of this year’s economic downturn, the network credit becomes the new way of many SME financing. Datermine the credit risk of SMEs due to the small scale, lack of effective mortgage asset larger. How to take advantage of new financing channels of the network banks and business operation mode become more important in the current economic environment, which can do to serve for many small and medium enterprises and control credit risk effectively.In this article, a research way of the combined theory and application is widely adopted to make a systematic summarization on the application mode in the SME network bank credit financing, risk control messures and the advantage of the credit facilities for SMEs. It also pointed out the potential risk of the commercial banking network of bank credit in the SMEs credit business, and concrete and specificre commendations preventing the potential risk issues.Finally, The example is gived that the Construction Bank carrying online banking credit service on Lovol enterprise by the way of core enterprise supply chain financr online banking mode. It also describes the service to enterprises members on supply chain of Lovol by CCB and Measures of credit risk control as well as the effect of network credit business development.