Research On The Risk Management Of Small And Medium-sized Enterprises’ Loan In Mudanjiang Branch Of HEB Bank

According to the present situation and trend of China’s economic development, small and medium-sized enterprises develop healthily and steadily is of great significance to the economic development of our country. The small and medium sized enterprises are developing rapidly in our country. It has played an important role no matter in the adjustment of industrial structure, the rapid development of regional economy, or the technology innovation of the product, solution of the problem of employment and other aspects of a series of aspects. The development of small and medium-sized enterprises has become an indispensable important part in China’s national economic developing process In the process of the small and medium enterprises’ development, due to the impact from both international and domestic factor, the small and medium enterprises sustain greater pressure, Therefore, they need to own more financial support. On one hand, it is from the small and medium-sized enterprises’ own operating funds. On the other hand, there is a large proportion of loans from commercial banks. Therefore, the business of commercial bank loans to small and medium-sized enterprises indirectly affects the development of small and medium enterprises, even the whole economic social development. As the financing channels for large enterprises in our country are increasing, competing cost of commercial banks is gradually increasing. The interest is limited. However, due to the commercial banks have suffered from the economic policy, the competition between commercial banks, the internal management of commercial banks, small and medium-sized enterprise management and other risk factors in the current development of China’s commercial banks in the process of small and medium enterprises’ loan business process. The survival and development of commercial bank loan business has sustained a lot of constraints, which has aroused widespread concern and attention of researchers. Therefore, It is very important that how to carry out the loan business of small and medium-sized enterprises reasonably, how to discuss the causes of the loan risks of small and medium-sized enterprises and how to improve the loan risk management of small and medium-sized enterprises. Under this background, many commercial banks have begun to explore and analyze for the current situation and the existing problems of the commercial bank loan business. It is studied from the risk identification, risk assessment and risk management of small and medium enterprises in commercial banks in China. The writer takes the Mudanjiang branch of HEB bank as an example in this article, studies on the loan risk management of small and medium enterprises. At first, it analyzes the current situation of SME loan risk and its management, mainly analyzes from the preloan investigation, loan review, loan management after three stages of the H bank SME loan risk management status from the business characteristics of Mudanjiang branch of HEB bank. It is found that there is a lack of objective and unified credit rating criteria and scientific risk assessment system, the data analysis in the stage of loan is asymmetric, the loan decision-making ability is lack of objectivity. The post loan management mechanism is not standardized, the customer tracking management system is not perfect. Thus the writer analyzes the problem of HEB bank small and medium-sized enterprise loan risk management and the cause of the problem. And the writer also analyzes from the economic policy, the small and medium-sized enterprise management and the bank internal management three angles to the small and medium-sized enterprise loan risk management produces the reason to carry on the analysis. To solve the problems above, the following improvement measures are put forward through analysis: to establish economic risk early warning mechanism, to build a risk assessment management system, to improve the credit rating system, to standardize the loan business process, to pay attention to the post loan management, to establish and improve the management of the Guarantee Corporation.