Empirical Analysis For The Sme Stripped Non-performing Loans Of Agricultural Bank Of China Beijing Branch And The Credit Countermeasure Research

SME is not only an important basis to maintain economic development steady and rapidly, but also a major strategic task of the livelihood and social stability. Agricultural Bank of China is one of China's four state-owned commercial banks, and also an important part of the financial system. For a long time, the Agricultural Bank of China full play to their advantages in network, financial, professional and actively support the development and growth of SMEs. Agricultural Bank of China Beijing Branch is one of the existing 32 branches, the SME credit business as an important part of the basic business of Agricultural Bank of China, is closely related to the overall business development. To guidance the development of SME credit business and guarantying loan funds security, it has a great significance to doing the empirical research in SME loan status of Agricultural Bank of China and the bad loans which has been stripped.Based on the previous studies of SMEs credit theory, we take the non-performing loans of Agricultural Bank of China Beijing Branch as evidence, for a sample of 181 cases, using SPSS statistical software for data processing and analysis. According to the complete and effective multiple linear regression analysis, we draw the regression equation. There are four independent variables into the final regression equation to impact the dependent variable (the actual amount of loss).The most important factor is the loan balance, the least of the factors is the way of security.After this, on the base of empirical results, we get a management strategy on putting forward for the focus on risk control and the prevention of the SME credit business.Finally, further to the credit business, we put forward the development proposals to the credit business of Agricultural Bank of China Beijing Branch: Improved process management, clear of the link of risk control points; Implement effective security, strengthen the second source of repayment; Control the line of credit, take the implementation of quota management.