The Risk Analysis Of The Bank's Credit Admin Of Small And Medium-Sized Enterprises

With the rapid development of China's small and medium-sized enterprises(SMES) and banks increase credit input for SMES, how to control the issue of credit risk for SMEs becoming prominent; SMES promote economic development, indemnity the important role of community employment, and the important role of development status in the bank credit, require banks have a comprehensive understanding and a reasonable solution to credit risk for SMEs. We wanted to analyze and discuss individually of the small and medium-sized business credit from the bank's point of view, and propose some ideas to avoid and guard against the credit risk. In order to assort easier and more intuitive understanding, this article from the external environmental factors, small and medium-sized customers and the banks own factors in three areas, to exploit the formation of small and medium-sized business risk credit reasons, there by the causes of the SMES 'credit risk showing the form in front of us by "three-dimensional integrated ": We treat macro-economic environmental factors, regional factors, industry factors which cause SME credit risk as external factors; we treat financial factors and non-financial factors which cause SME credit risk as internal reasons of enterprises; we treat banking system defects and operational which cause SME credit risk as internal reasons of banks. This is to avoid exploring the general credit risk analysis of the risk classification of the cases are often too cluttered, so that we can sort out the causes of risk analysis and the ideas of exploration risk solution. At the same time, in view of SME are the main vehicle for credit risk, more focus on the various factors effect the impaction and action of SME when we explore and research. Article also propose ideas to resolve credit risk for SMEs from the visual points of credit standards of operation, pricing of credit risk management.