Study On Risk Control Of Sme Loan Business Of Y Bank M Branch

Small and medium-sized enterprises(SMEs)are an important component of the main market in China,they are the most dynamic factor in the national economy.Along with the continuous development of SMEs,various commercial banks have increased their credit support for SMEs.Since 2019,the government has set a growth target of 30%,40%,and 30% for the granting of loans in the inclusive sector to large state-owned commercial banks for three consecutive years.The amount of loans to SMEs has greatly increased within commercial banks,but there are still high risks associated with SME loans due to various factors.If commercial banks want to develop their SME loan business in a healthy and sustainable manner,they must continuously enhance their risk control capabilities and levels,and control the SME loan risk within a controllable range.Based on the relevant achievements made by major domestic financial institutions in the risk control of SME loan,this paper conducts a detailed analysis and research on the causes of the problems through the analysis of the current situation of SME loans and typical cases of non-performing loans in Bank Y,Branch M.Then,from the four aspects of risk identification,risk assessment,risk control,and innovative measures,we put forward opinions and suggestions on the risk control of SMEs,so as to improve the risk control ability and level of M City Branch in SME loan business,promote the high-quality development of SME loan business of M Branch,and better respond to national policy calls with practical actions,and support the development of the private economy and the real economy with financial living water.At the same time,the problems of Branch M are also highly prevalent,so this case is also of constructive significance for the control of SME loan risk in branches in other cities across the country.The author believes that in the practical operation of SME loans,based on the analysis of various factors such as financial and non-financial,commercial banks should strengthen the design and control of elements,use advanced tools and enhance the organization and management of the whole process,they are able to control the risk of loans within a reasonable range.