On The Difficulties Of Small And Medium - Sized Enterprises' Loans

With the development of society and economy, small and medium-sized enterprises of our country is in the rapid development, at present the number of SMEs in the beginning of reform and opening up nearly 5 times the growth, but the commercial banks face the business volume of small and medium-sized enterprises and no significant growth, the proportion of coordinated growth to a certain extent, and also increase the financing of small and medium sized enterprises the problem of. To analyze from the loan interest rates, the majority of loan interest rates are relatively high, in the range of 6%-8%, and the period is relatively short, within six months to a year, and the total loan amount does not exceed 5000000 yuan, largely limited to small and medium enterprises engaged in a long period of return, high profit item. Small and medium-sized enterprises by Chinese entrepreneurial mechanism is not perfect, the reason of securities threshold higher, is also very difficult to raise funds through open market. Because our country’s venture capital system is not perfect, the lack of legal protection system and policy support system of complete, effects of venture capital exit, the small and medium-sized enterprise also to through equity financing.In this paper, through the commercial bank risk management angle of view analysis, overall promote the risk of construction and risk management of the current existed problems. On the basis of this can better reflect the objectivity of the current construction management ability and the development of the. To appear in this on the basis of the analysis system of pluralism and construction process to better reflect the current risk construction itself in the process of. So, in the construction process in the future, people need better highlights the management problems of the current at the same time, push according to the objective necessity to better the whole of small and medium-sized enterprises in the credit development. It is a such analysis requires objectivity, can better promote the process of the future development and construction of the construction process, so as to realize the whole development itself better benefits and itself.From the main content point of view, this paper is mainly divided into such three departments, first from the theory laid the foundation for the current management ability and development ability, reflect the overall effect of the existing risk management mechanism, process so that it can better realize the future development process and constructive reflected. Secondly, combined with the current widespread commercial bank development issues, in accordance with the basic management process in the Agricultural Bank for example, analysis and found that the current management process in whether have more specific questions. Finally, through the construction of the current process, combined with the diversity reflects the process of the risk management of commercial banks in the development process, the realization of the need for small and medium-sized enterprises of the whole of the existing measures to deal with, so that it can better reflect the asset itself and the process of.