Development Research Of Commercial Bank SMES Loan Business

In China, SMES are most important component of non-public ownership economy. Developing SMES loan business is a strong guarantee of current national economic development, and also plays an important role for improving financial market structure and enhancing commercial banks profit margins. SMES widespread exist the features of small scale, diversity of industry category, imperfect of corporate governance structure standardized system, singleness of asset structure, and low credit grade. Therefore, SMES loan will be faced with multiple tests of diversification of customer types, comprehensive industries fields, and weak guarantee power and so on. This paper combined with realistic business needs, analysis authoritative statistical business data issued by the relevant industries territory, studies development status and financing needs as well as areas of main core-loan business in standard SMES various types of giving credit, defined by "The People's Republic of China SME Promotion Law", helps commercial banks to understand the practical business difficulties of SMES loan development, which have existed or will occurred, improves the environment and risk control and preventive mechanisms of SMES loan business development, helps commercial banks to actively develop SMES loan business, provides to adopt the proposed measures of financial product innovation, financial service innovation, improving self risk control capability, enhancing operation control level and so on, and provides effective help for raising commercial banks'asset management level.