Commercial Banks Measure And Guard Against The Credit Risk Of Bill Financing For Small And Medium-sized Enterprises

With the increasingly prominent contribution of Small and Medium-sized Enterprises (SMEs), which gradually become an important force in our national economy and social development. Sound and rapid development of the promotion of SMEs is an important foundation to maintain stable and rapid economic development is a major strategic task of the people’s livelihood and social stability. It is noteworthy that in the SME community, economic status is widely recognized at the same time, faced with the problem of a global throughout the various stages, which is financing of SMEs. Since2000, our financing instruments to enter the stage of rapid development, bill financing due to its own low-cost financing function of the advantages of much of the concern of enterprises, especially SMEs, high threshold of commercial bank loans, coupled with the small and medium enterprises some of the problems that exist in their own development, making SMEs difficult access to external financing funds through loans, only to find a new financing way out. Bill financing is undoubtedly provide a viable solution for SME financing problems. However, to solve business financing difficulties, the commercial bank is difficult to obtain really the strength of enterprises and the practical use of the funding to important information, so the information asymmetry between banks and enterprises, directly lead to credit risk once the risk can not control. Will be commercial banks caused financial losses. Paper by a description of the bill financing status of commercial banks and SME financing status quo, to review the recent years, China’s financial development and corporate growth conditions; by tradition introduce the evaluation of credit risk measurement methods and modern measurement model, to enable readers to understand the credit risk assessment tool in reality; commercial bank bills financing business risk analysis, and then found that the commercial banks to provide SMEs with the bills financing business credit risk because the preventive measures taken; both existing state-owned commercial bank credit risk assessment system as an example, analyzes the limitations of the current evaluation system, the final proposed recommendations of the commercial banks on SME financing instruments Credit risk prevention measures. Both Bank interdependent and there are credit risk, such as success in the prevention of the bills financing business credit risk, banks and enterprises will play an important role in boosting long-term good relations of cooperation to achieve win-win, not only eased the SMEs financing problems, but also play to the advantage of intermediary business, increase revenues and develop long-term customers.