Research On SME Loan Risk Management Of Commercial Banks In Jilin Province

30years of reform and opening up, China’s small and medium-sized enterprisesboth in quantity and strength of enterprises have obtained the very big development,social status, grow with each passing day. But the development of small andmedium-sized enterprises are also facing many difficulties, which is particularlyprominent one is financing difficulty. In our country current financing system, thecommercial banks and other institutions to obtain loans of indirect financing is stillenterprises especially the main financing way. Due to the small and medium-sizedenterprise dimensions is general and lesser, internal management is not standardized,profitability is weak, lack of adequate strain capacity, it is difficult to meet thecommercial bank’s loan conditions. Therefore, to deepen the commercial banks toSMEs credit risk research is to solve the financing difficulties of small andmedium-sized enterprises is the key link.Strengthen the small and medium-sized enterprise risk management can not onlymaintain the stable production and operation of enterprises, promoting the sound andrapid development of small and medium-sized enterprises, solve the problem offinancing SMEs have positive significance. Also in the current profit space isnarrowing of the commercial banks to expand the customer base, expand the scope ofbusiness, to the current commercial banks to deal with fierce competition, improveprofitability will also have some practical significance.The whole thesis is divided into four parts, the first is on commercial bank loansto small and medium enterprises risk management related literature was briefly described, including the definition of small and medium enterprises and small andmedium enterprises loan risk awareness and the domestic and foreign loans to smalland medium-sized enterprises risk management research of. This was followed by theJilin commercial bank loans to small and medium enterprises current situation briefintroduction. Again on the Commercial Bank of Jilin Province SME loan risk fromexternal risks, enterprise risk and the bank’s internal risk three aspects carries on thedetailed analysis. Most are based on the Commercial Bank of Jilin Province SMEloan risk to form a reason for the effective control of small and medium enterprisesloan risk proposed five measures: first to perfect the risk early warning mechanism,second to establish effective customer access and exit criteria; third to furtherimprove the small and medium-sized enterprise customer recognition and Preventionof risk ability; fourth to establish a standard uniform business processes andprofessional small and medium-sized enterprise management team; fifthly, perfect theguarantee system for small and medium-sized enterprises, the introduction ofprofessional guarantee institutions to provide security. In order to guard against therisk, dissolve a venture to small and medium-sized enterprises in Jilin Province, so asto promote better development.