Study On The Improvement Of Loan Process Management Of SME In Rural Commercial Bank

SME financing problem has already become the focus and topics scholars discussed。SME financing problems depends on China's financial theory and practice on innovation and development. With the theory and practice of constant innovation, national has released the laws and regulations of promotion of small and medium-sized enterprises. such as laws and regulations of Small and medium-sized enterprises promotion, on further strengthening of market, benefits, credit SME s'credit support and guidance of the commercial Banks to small businesses, and Commercial Banks small due diligence in the credit extension work instructions (for trial implementation). The requirements of various commercial Banks provide financial support for the development of small and medium-sized enterprises.Rural cooperative Banks to issue is currently carrying national fiscal policy, its market positioning and marketing cognitive deficiency and loan fund supporting its structural defects in its management is the main content of flaws. SME loans management research can help out market segmentation eventually low-end development of infinite marketing mode of thinking, through the institution innovation and product innovation of marketing and process management, improve SME financing predicament and can lead to sustainable development, cooperative Banks characteristic development, scientific development path, very realistic.Rural cooperative bank on loans to SME marketing of "Five Elements" and the "three purposes" business philosophy, and the SME loan market, credit rating credit, market research analysis, post-loan management and other aspects of innovation in practice, the establishment of a set of effective SME lending management system success. Currently, the management system, the lack of clear strategic planning, credit screening technology behind the loan, "the three check" system and rating credit phase separation system, enforcement is low, lack of sound market risk warning prompt system management flaws need to be further enhanced.This paper that rural cooperative banks should "maintain growth, promote innovation, risk prevention, heavy service, strong management," the main line, relying on the geographical advantage of urban and rural local SME dig quality resources to business development and risk as the center, the implementation of SME credit rating system, loan management, small business loan center consolidation loans before the loan-to-time, post-loan management and credit risk early warning system prompt, flexible use of SME specific measures such as loan management process, to strengthen and improve credit risk management. The effective implementation of SME lending management improvement mechanism, this paper presents the corresponding protection measures:identify the market position, relying on local government, relying on peer support, rely on SME to understand, on its own services and management.