A Study On Small And Medium-sized Enterpirse Credit Risk Control Of Bank Of China Nong’an Branch

On the economic development of our country at this stage, the small andmedium-sized enterprise healthy development to our country economic systemdevelopment process has very important realistic meanings: on the one hand,China’s large enterprises financing channels of commercial banks are graduallyincreased, for large customers competitive cost is high, the benefits of limited, on theother hand, our country the small and medium-sized enterprise development is veryrapid, is driving China’s economic growth and the main power one, has become ourcountry national economy development important constituent, whether in productinnovation, industrial structure adjustment, the rapid development of region economy,solve the employment rate of our country and rural labor etc. it plays a veryimportant role. Medium and small enterprises classified mainly based on differentsectors of the enterprise scale and carried out, thus the definition of SMEs of relativeto character, from the personnel of the enterprise overall quantity, asset scale and thedevelopment of products size are relatively small economic units, and in differentcountries, different economic development stages, different industry in the world ofsmall and medium-sized enterprises, to define the concept of standard is put incertain difference. Our country government sector in08years since the globalfinancial crisis in succession after, according to the situation of our countrypublished a series of support and small and medium-sized enterprises are closelyrelated to the policy, but due to the small enterprises, banking, legal, social credit andother factors, China’s small enterprise financing difficult problem still very outstanding, especially commercial bank at this stage to the small and medium-sizedenterprise loan risk control, have yet to be further improved.Bank of China branch of the establishment of farmers in less than two years,inside the near future development strategy is the development of widening theoccupied agricultural local banking market share goals, both the safety of bank assetsand profitability, while at the same time as the county small and medium enterprisesto provide loans for agricultural resources, the County financial business madeoutstanding contribution. In order to better do a good job of SMEs credit business ofsmall enterprises, explore the causes of credit risks and the studies on small businesscredit risk control is very necessary. Where a commercial bank is able to useeffective risk control to the present stage of China’s small and medium enterprisescredit operations of the various possible risk, can effectively promote thecommercial banks to SMEs credit business development bottleneck. Under thisbackground, the Bank of China agricultural branch as an example, the small businesscredit risk control research, help to improve the SME loan business risk controlcapability, to achieve commercial bank credit business sustainable development andhealthy development has the profound significance.Based on commercial bank credit risk control are analyzed, and the financingdifficulty of small and medium-sized enterprises are briefly described, which ismainly due to the small and medium enterprises to operate their own features, smalland medium enterprises in the business of bank credit deficiencies are analyzed, andthen, on the current stage of loan of medium and small businesses existing problemsare analyzed, finally from the commercial banks and small and medium-sizedenterprise two angle to the small and medium-sized enterprise credit risk control inaccordance with the loan time sequence for loans, loans, and loan after analysis,found the loan before the loan object model for analysis is too formulaic, not verygood to customers focusing on the examination and approval, and too dependent on financial statements; loan in the deep understanding of easy generation ofasymmetric information; credit monitoring process exist because the implementationis not in place and other reasons, leading to small and medium enterprises credit riskcan not be timely found problems. In view of the above problems, this paperanalyzes the improvement ideas and operation process improvement methods,mainly: loans before the detailed customer survey, based on the non financial factorsunderstanding deepen the master; innovation of small and medium-sized enterprisescredit products, loans to improve the pertinence, improve loans to small andmedium-sized enterprises personalized service quality; using scientific post-loansupervision process, and strengthen post-loan supervision and supervision, improvethe existing management process, the establishment of a more reasonable and strongoperability of the medium-sized and small enterprises credit risk early warningsystem.