Research On Risk Assessment And Prevention Of Loans To Technology-based SME

With the reform and open to the outside world,China has become the most rapid economy development country in the world.Small and medium-sized enterprises consists 97%of China’s enterprises and contributes 60%of the overall profits.These enterprises contribute 48.2%of the taxes and offer more than 75%jobs in the cities.In recent 30 years,small and medium-sized enterprises have become an important part in China’s economy development.Technology based small and medium-sized enterprises have light assets,high growth characteristics,which consist a major part.Technology based small and medium-sized enterprises have become an important role in pushing the change of economic system and innovation.However,compared to large sized enterprises,technology based small and medium-sized enterprises are much younger,so the ability to manage and conquer risks are much weaker.What’s more,China’s government and financial institutions are imperfect somehow.Because of the problems,technology based small and medium-sized enterprises have some difficulties in getting money from commercial banks.Therefore,commercial banks must research what problems technology based small and medium-sized enterprises have.Solving these problems has both theoretical and actual meanings.This paper first introduces the meaning and influencing factors of enterprises loan risks,revealing ways to prevent these problems.Then this paper uses the 2016 annual report of Bank of Nanjing,analyzing the reasons and necessities of preventing risks.Next,this paper uses the statistics of technology based small and medium-sized enterprises in Bank of Nanjing from 201 1 to 2015 and analyzes the factors that contribute to the risks.The research results shows that the rate of interest,the classification of loans and professions etc.have an evident influence on loan risks.Lastly,this paper gives an conclusion and some suggestions,and offers some advice to the future research.