Changsha Agricultural Bank Sme Credit Risk Control

The commercial bank which act as the main financing channel for the medium and small enterprises of our country at present how to exist in the regional economy and credit environment, from the business reality, studying the loan credit risk of the medium and small enterprise deeply and adopting the reliable strategy to improve the risk control ability and realize the organic union for the business scale and benefit, speed and quality, efficiency and cost of the medium and small enterprise. To promote the healthy development of the medium and small enterprise and bank already has become the subject of the whole financing area which need to be researched and study urgently.The thesis takes parts of the medium and small enterprise loan business practice of the Agricultural Bank of China changsha Branch as the study sample, using the successful experience abroad and domestic for reference and many years working experience, from practice aspect makes a research to the business risk control.First of all, it analysis the common reasons which cause the credit loan risk from four aspect:macropolicy, enterprises self, bank and enterprise communication and credit loan process; Secondly, after the study to the existing problem in the business structure and risk management of this bank, it analysis the inner and outside reasons for the risk from the each loan process link in detail; then it promote the relative suggestion and measure from medium and small enterprise business operation, risk management and supporting measuring three aspects, to improve the medium and small enterprises loan business risk control management level. Finally, the conclusion has been made for the analysis, it comes out that credit loan capital could be secured efficiently only on the condition of having the exact business strategy, strict and reasonable risk control system and favorable business environment, then it could relief the financing hard problem for the medium and small enterprise.