Research On The Risk Management Of Small And Medium Sized Enterprise Financing Project Of S Commercial Bank

Since the reform and opening up in our country,the role and status of small and medium-sized enterprises in social development and national economy have been continuously enhanced and have gradually become the main driving force for China's economic growth.Small and medium-sized enterprises in the development and growth stage,often need the support and supplement of external funds.In our country,as the capital market is still immature,the financing channels for SMEs tend to focus on commercial bank loans.In recent years,although the credit business of SMEs has been paid more and more attention by commercial banks,its share in the entire credit business has been increasing day by day.However,due to imperfect financial status of SMEs,weak anti-risk ability and asymmetric information of high default rates,And other factors,commercial banks tend to be very cautious SME financing projects.The root causes of the failure of commercial banks to establish a risk management system that is suitable for the financing of SMEs constrain the development of commercial banks' financing projects in SMEs.This paper first analyzes the current situation of SME financing and the reasons of financing risk,and takes S Bank as an example to discuss in depth the basic situation,financial status,financing status and risk reasons of a loan enterprise-A enterprise of S Bank.S commercial bank's risk management system(assessment of financial core indicators and credit asset risk classification),proposed improvement measures for risk management of SME credit projects and proposed to establish SME credit from the three dimensions of loan before loan,post-loan Business operation mechanism,loan system based on cash flow,mechanism for innovating non-performing assets disposal,etc.,improve the nationwide database and rating system,and indeed increase the risk prevention and control measures of commercial banks in SME financing projects.This will enable commercial banks More confident marketing SME financing projects for the development of enterprises,provide financial support for the development of large and medium-sized enterprises.