Risk Management Of Commercial Bank Loans To Smes, Research,

It is generally considered that SMEs are the most active and vigorous part in the society. They have contributed a lot for the fast development of the national economy, whereas the status of SMEs does not correspond to their level of financing. At present, the loan from commercial bank is main source for SMEs'financing. Establishing SMEs'financing risk management by commercial bank can not only resolve SMEs' loan difficulty, but also can benefit commercial bank themselves. From commercial bank's perspective, with analyzing a real example, this thesis mainly studies how to establish the SMEs financing risk management considering the characteristics of SMEs. The thesis emphasizes the importance of designing the new financing products and modes for SMEs. The thesis aims to enhance both commercial bank and SMEs'development as well as balance both interest.The thesis is consist of six parts, the first one gives the research object,the way of research and main content of the thesis, and then is a brief instruction of financing and financing risk management theories and the current research of SMEs'financing. In the third part, the thesis states the present situation of SMEs'financing, pointing out that more and more commercial bank are willing to provide loan to SMEs. The following part is a comparison between western country and China on the financing risk management. The fifth part is the core of the thesis, it detailedly analyzes commercial bank how to identify and control the risk when they offer funds to SMEs. Finally this thesis draws a conclusion and gives the limitation of the study.