Research On Credit Risk Control Of Small And Medium Sized Enterprises In Commercial Banks

With the continuous enhancement of China's comprehensive economic strength,the number of small and medium-sized enterprises is also increasing trend,playing a more and more important influence on the national economic strength.It plays an important role in every aspect of society,and has gradually become the largest and most innovative business group in China.However,the huge potential of SMEs and the increasing demand for funds are strongly contrasting with the narrow financing channels and the difficulty of financing.How to match more formal and reasonable financing channels for the growth of the small and medium-sized enterprises,especially the support of the credit funds of commercial banks,is the purpose of this study.Due to the great environmental impact of the external economy,small and medium-sized enterprises,because of their small scale,unregulated management mechanism,and relatively weak ability to resist risk,have led to the frequent exposure of credit business risks in small and medium-sized commercial banks.This paper takes the commercial bank credit risk control as the main research direction,the importance of credit risk control based on the reference of foreign mature theory system,combining the domestic academic research achievements,taking A bank Zhejiang branch as an example,describes the current status of domestic commercial banks to control credit risk of small and medium-sized enterprises and the main problems of type.And put forward rectification measures and effective solution for credit risk control problems and bottlenecks.This paper mainly introduces the A bank Zhejiang branch is currently in transition development strategy of credit for small and medium-sized enterprises and the "credit factory" mode of operation,which is also home to large commercial banks for SMEs credit business reform and strengthen risk prevention and control of the latest strategic guiding ideas an direction.We should learn from the advanced experiences and ideas of foreign banks,the same industry and the domestic banks in the same system on the road to optimize the wind control measures of small enterprises' credit.not only will the small and medium-sized enterprise credit risk control work division line the classification problem,refine and implement to improve the optimization mechanism in the system,the source of the problem of the realization of the rectification,and achieve the balance between business flexibility development and compliance management.