The Credit Risk And Prevention Of Small And Medium-sized Enterprises Of Commercial Banks Of China

With rapid development of market economy, samll and medium-sized enterprises(SMEs) have become an important part of the national economy, in the economic operation they play an increasingly important role, promot the development of productive, play an important role in promoting China's economic growth and relieving the employment pressure.The development of SMEs has become the key of whether economy of China can maintain a steady growth.With more than 30 Years of Reform and Opening Up of China, the rapid development of SMEs in China has made important achievements.However, the large number of SMEs in the development process are still subject to many constraints, the most prominent is the lack of funds, many enterprises can not seize opportunities to accelerate the pace of development. The reasons for this are manifold, no only because their own management is not complete, the financial system is not standardized, loan risks is high and other factors, but also because banks basically followed the past loans of medium-sized enterprises to manage loan risk, has not really explored operational procedures and risk management programs for the credit needs of small business loans.As the rapid development of private SMEs, high eliminate rate and overall small-scale and so on, many banks, especially the four state-owned commercial banks, positive of loans to SMEs is low, made harsh conditions, or simply do not want loan to small and medium enterprises.2009,the central bank implemented a loose monetary policy and asked for more support to small and medium enterprises, but the benefits to small SMEs are still less.However, the SMEs loan business has become a way of expand market space of commercial banks, especially with the competition of banking, diversification of financing channels for large enterprises and the development of increasingly mature, the SMEs loan market can success or not, has become the key of maintaining the competitive edge in the credit markets of commercial banks. Today, with the depth development of financ, commercial banks has begun to shift its traditional credit business philosophy, and actively expand the SME credit market; However, because of the special characteristics of SMEs, commercial banks can not effectively prevent the risk of loan,and anxiously in the lending process.The article from the status of commercial banks loan to SMEs, analyzes credit risk, try to put forward my own views to solve this dilemma.The article is divided into five parts.The first part briefly describs the study and significance of the domestic and foreign literature, content and methods, the overall structure of the arrangement. Then analyzes status and credit risk of loan to SMEs, including the financing structure and financing environment of SMEs, the current situation of commercial banks loan to SMEs and the performance and causes of SMEs credit risk analysis. The third part introduces the measures of how foreign commercial banks prevent the credit risk of SMEs, learn useful lessons from the relations of commercial banks and SMEs, prevention of credit risk and improvement of information technology and so on. The fourth part is a special case of a commercial bank loan to a SME, analysis of the corporate loans of the bank's credit risk may arise, and with foreign commercial banks for SME Risk compare and learn from the experience, preventive measures for the final paper for bedding.The fifth Part summarizes prevention measures of credit risk of SMEs of commercial banks.They can expand the scope of collateral, strengthen credit rating system of small and medium enterprises, innovate credit model of SMEs; strengthen post-loan management and monitoring.