Commercial Bank Sme Credit Risk Control

Small and medium-sized enterprises (SMSE) have important political and economic status in our society, how to better develop SMSE is one of vital issues urgently solved at present, of which, solving the difficulty of financing for SMSE is a key point. Because commercial banks' loan is the main approach currently solving capital problems of SMSE, therefore, commercial banks need study risk control of SMSE's credit business, establish a set of risk control system so as to ensure the smooth running of the loan, and to provide capital support for SMSE's development, which, in turn, offers the beneficial help for commercial bank to disperse capital risk and to improve competitive ability.This paper takes risk control of credit business of SMSE for regional branches of commercial banks as foothold, on the basis of studying SMSE's characters, financial situation and credit risk characters, it classifies credit demand of SMSE, and then directly studies each type of business's risk control strategy and operating practice of commercial banks depending on the classification, which covers risk control measures of three periods: pro-loan investigation, loan examination and post-loan monitoring. For risk control of pro-loan, combining with operating practice of commercial banks, the paper studies the investigation skills and management of loan investigation links, sets up a set of investigation methods of non-financial factors' risk, financial factors' risk and spot for SMSE, reveals the actual situation of enterprise's production and operating, finds out the actual loan reasons, and makes the foundation for correct policy-making of credit business. In the study of financial risk analysis of SMSE, the paper details traditional analysis methods, and also creatively puts forward the analysis methods of cash flow in accordance with risk characters of SMSE, and then establishes quantification analysis methods of lending reasons and repayment capacity according to enterprises' different lending reasons under different conditions, thus different risk analysis methods and risk prevention measures can be used for different lending reasons,which can avoids the weak points of lacking aim that commercial banks grant credit for SMSE, and commercial banks find out the access to developing loan business.For credit policy-making of SMSE, the paper not only puts forward policy-making methods of credit line, term and guarantee, but also puts forward new thinking of risk rating, which provides feasible approaches to solve credit rating of SMSE. It also explores internal operating risk control of commercial banks to SMSE's credit business, puts forward risk control measures such as setting up exclusive operating institutions, separating three positions of investigation, examination and disbursement, processing management and due authorization, and then offers organization system of credit operation. Finally, it studies post-loan monitoring of SMSE's credit business, defines the risk control methods and responsibilities. Through the above study, it establishes a set of complete risk control system of SMSE's credit business for our commercial banks.