Commercial Banks For Sme Credit Risk Countermeasures

This thesis applies the knowledge of accounting and finance to the operation about the MSEs(Medium and Small-sized Enterprise ) credit risk control of commercial bank. Based on the detail analysis of MSEs' finance status with its reasons, the paper studies the countermeasures from two sides, including safeguard and reduces.The paper points the safeguard countermeasures should process in both system and operation. It advises a new thought that we could apply the audit theory for unsymmetrical information to the credit risks control of commercial banks. It also perfect the financial analysis method suited to MSEs.The paper points we could reduce the MSEs' credit risk directly and indirectly. Decentralization, avoidance, diversion and protection are main methods to reduce risk directly. Commercial bank also can develop intermediary business to solve the problem indirectly. At the end of this paper, author gives several policy suggestions to be referenced by the government when it perfects the whole environment about credit.