Research On SME Rredit Risk Control Of Jilin Province

Since the reform and opening up, China’s rapid development and expansion ofSMEs, has gradually become an important part of the national economy. Butundeniable is, in recent years due to the impact of the global financial crisis, theinternational economy has become very turmoil, China’s economic growth rate hasslowed, the development of small and medium-sized enterprises also face significantpressure. To encourage the development of small and medium-sized enterprises, theState Council and the CBRC have published a series of policy, encourage banklending to SMEs, to support SMEs financing. These encouraging policy come onstage, aroused the enthusiasm of bank lending to SMEs enthusiasm. With many banksof large corporate loan is in saturated condition basically already, but the small andmedium-sized enterprise loan space have yet to be developed, business innovationand profit pressure makes the small and medium-sized enterprises has become thefocus of bank credit. But the small and medium-sized enterprise itself problems atpresent, still did not get fundamental change, small business credit risk problem stillexists, bank loans to small and medium enterprises in increasing at the same time, theexposure to credit risk at the same time it is possible to increase. As the microcosmicmain body of the bank, how to achieve both to the call of the government, promotethe development of small and medium-sized enterprises, and expand business areas,to control credit risk, reduce loan cost, raise benefit to have cost the bank currentlyvery urgent needs to solve the problem. The only bank to establish an effective creditrisk control system, in the consolidation of the existing market on the basis of creditof medium and small businesses, take the initiative to open up the market, innovativefinancial products, will undoubtedly become the bank development strategy choice.This dissertation consists of four parts: The first part of the commercial bank credit risk analysis, mainly on bank creditrisk definition and classification on the basis of analyzing the present our countrysmall and medium-sized enterprise, credit demand characteristics, studymacroscopical economy environment change, small and medium enterprises and theirown defects and bank operation is not good the risks.The second part Jilin province small and medium enterprise credit status quo, inbrief introduction Jilin province small and medium-sized enterprise developmentfoundation, pointed out that the development of commercial banks credit businessnecessity. In general the Jilin province small and medium-sized enterprise loan basedon the present situation, the five cities in the province of commercial banks to SMEscredit survey data, introduces the Jilin province small and medium enterprise creditcharacteristic, has analyzed the small and medium-sized enterprise creditmanagement problems.The third part of small and medium-sized commercial bank enterprise customercredit risk evaluation system construction. In view of the characteristics of loan ofmedium and small businesses, put forward medium and small enterprises credit ratingindex selection process should follow the principles, and based on this puts forward aseries of qualitative and quantitative evaluation index system, using the method ofinvestigation and expert consultation method to determine the weight of each index,and set the rating criteria.The fourth part of commercial banks in Jilin province small and medium-sizedenterprise credit risk management countermeasure. Based on the empirical analysis,according to the Jilin province small and medium-sized enterprise credit riskmanagement problems.