A Bank Of Small And Medium-sized Enterprise Credit Risk Management Research

Enterprise institute under the state council development research center released by the China business development report2014pointed out that rapidly rising cost of labor and the rent squeezed the small and medium-sized enterprise survival space; Small and medium-sized enterprise financing difficulties, financing your problem is still not resolved root; So to speed up the pace of reform to further reduce the financial burden on small and medium-sized enterprises. In fact, no matter in developed countries or developing countries, small and medium-sized enterprises are the important pillar of economic development and social stability. With the deepening of the economic system reform in our country, small and medium-sized enterprises more and more important in the position in the whole national economy, has become a force of economic development in our country. Small and medium-sized enterprise credit business is also becomes the important growth point of commercial Banks business development and new profit growth point. Therefore, to strengthen the recognition of small and medium-sized enterprise customer credit risks judgment and control ability, promoting the healthy development of small and medium-sized enterprise credit business of commercial Banks in China has important theoretical significance and practical significance.In terms of the status quo of our country, commercial Banks in lending by the laws and regulations and the influence of various factors such as internal management system, and weak anti-risk ability of small and medium-sized enterprises generally, low management level, financial situation is not clear such factors as objective existence, may make it harder for Banks to pass judgement on the actual situation of small and medium-sized enterprises, greatly improving the bank’s lending risks, plus the small and medium-sized enterprises have no eligible collateral, cannot provide the guarantee mortgage bank approval conditions, therefore, commercial bank loans to small and medium enterprises review and issue more strictly, prevent credit risk.Therefore, commercial Banks to choose the high quality of small and medium-sized enterprise customer group, take effective measures to control the credit risk to implement effective on bank credit funds, to support the good development of the enterprise and realize the target of commercial Banks, thus make the fact win-win situation on both sides. This is the starting point of this article and the research target, in, hoping to find a path to realize the harmony and win-win development of commercial Banks and small and medium-sized enterprises.Based on A careful analysis of commercial Banks, found that the commercial bank credit risk management in small and medium enterprises in the existing problems, and put forward the small and medium-sized enterprises based on the perspective of commercial bank credit risk management solution:one is the optimization of small and medium-sized enterprise credit process; The second is to strengthen regional industry research, to break the chain control guarantee circle circle solution risk;3it is to pay attention to small and medium-sized enterprises substantial risk judgment, strengthen the operational risk prevention and control; Four is to optimize to the pledged collateral, enhance the second source of repayment reliability; Five is to build a silver enterprise tripartite platform, relying on the government control risk; Six is to strengthen the small and medium-sized enterprise marketing and product innovation.