The Analysis On Risk And Small Firm's Credit In The State-owned Commercial Bank

In recent years, Small enterprises become an important component of market economy, and play an increasingly important role in promoting economic development, becoming an irreplaceable important force. The commercial bank has put the development of small business credit as the bank's sustainable development strategic choice. The development of small business credit of state-owned commercial banks have great significance in many aspects, such as increasing the stability of operation and development, actively adjusting the credit asset structure and customer structure, dispersing concentration risk, and enhancing the liquidity.. However, small business credit is not only the key of the strategic transformation of commercial banks, but also the difficulty of risk prevention. The analysis of small business credit risk in state-owned commercial banks has the important significance both in theory and the practice.This paper defined the state-owned commercial bank small business scope, introduced the national four ministries (Development and Reform Commission, Planning Commission, Ministry of Finance, Bureau of Statistics) on the enterprise scale division, as well as the CCB internal division standard, defines the research range of the target. Then it analyzes the small enterprise customer's risk characteristics, and compares with large and medium-sized customers'credit risk characteristics. On this basis, it takes the CCB Zibo branch as an example, through small enterprises' credit assets, the proportion of such data to elucidate the rapid development of the situation, and then analyzes the small enterprise credit problems and the risk factors. Finally, it puts forward state-owned commercial banks to improve small credit business and strengthen risk control.The paper in the state-owned commercial bank angle discusses improvement of small and medium-sized enterprises credit evaluation methods, strengthens the credit risk management and according to the specific business data and examples, looks for business development and risk management deficiencies, proposes targeted credit risk control measures, and achieves effective controlling small business loan risks to prevent and resolve the risk. In this paper, content is specific and practical, for state-owned commercial banks'small business credit business development and risk prevention has great realistic significance.With the support of national policy, state-owned commercial bank's small business credit business has achieved rapid development, small business loans has the proportion of continuous growth in state-owned bank credit assets, the change of state commercial bank's risk management and puts forward new requirements. Based on the Zibo branch of China Construction Bank's data, the paper analyzes the state-owned commercial bank lending to small enterprises problems and risk factors, to point the perspective of bank proposed to solve the problem and prevention of credit risk countermeasure. Compared to other related research, this article has more specific target and accurate data.