Small And Medium-sized Enterprises Loan Risk Management Research Of Commercial Bank

Small Middle-Sized enterprises SME loan is an important business for domestic commercial banks. As an instrument for commercial banks to avoid impacts and prevent risks arising from present financial crisis, enhancing risk control towards SME loan can not only maintain the enterprises' stabilization of production and management, but also promote the rapid and well-ordered development of s SME loan, which is helpful to recognize the essence of risks and adapt to present uncertain changing grand economic environment. By this way, the safe of banking fund can be assured. On the other hand, it can also be regarded as the necessary requirement for responding to government's call of supporting SME development, carry out scientific development conception, and accomplish self continual progress.With consideration of the status quo, this essay discusses the connotation of risk control by analyzing the causes of formation for present SME loan risks in our country, and sets forth the significance for commercial banks to enhance risk control towards SME loan, meanwhile, raises some proposals on how to control risks and improve banking assets quality during the course of expanding SME loan.