Analysis And Control Of The Credit Risk Of Small And Medium-sized Enterprises At D Branch Of G Bank

Over the past few years, china’s economic developed rapidly, small and medium-sizedenterprises as an important economy as a whole, have always been an important driving forceof the economy, and play an important role in economic development. Smes haveoutstanding contributions in tax revenue, employment and so on. Affected by economicglobalization, many smes’ management capacity have been continuously strengthened,constant breakthroughs in technological innovation, and increasingly received thegovernment’s attention. But the financing problem of small and medium-sized enterprises isone of the most important factors which constrain the development of smes. Because thedirect channels of financing are relatively unavailable for smes, bank loans, indirect channelsfor financing of smes, are main sources of exogenous financing. It is significant to deal withproblems that how to control credit risk of small and medium enterprises and expanding bankloans to smes.This paper stresses on the analysis of the risk of smes and in light of author’s workingexperience in commercial banks, points out that the current main risks of mainstream smecredit operations of commercial banks, and studies the causes for the formation of these risksand the reality factors behind them. Finally,this essay makes some constructive views forbank g branch d on sme credit operations, promotes the development of its sme creditbusiness, helps to increase revenue, facilitates smes’financing at the same time.The first,this article introduces the related concept definition of small and medium-sizedenterprises business loans and the international relevant relevant research. And then analysisthe development background and the main risk of current commercial bank mainstream smalland medium-size enterprise credit business.And further analysis the main risk causes of themain risks,the two kinds of main body completely decomposition of banks and small andmedium-sized enterprise.Secondly,this paper collected at present foreign small andmedium-sized enterprise development credit business of the typical case,detailed descrip itsoperation mechanism and advantages and disadvantages.On the basis, this paper finally putforward D branch of G bank should improve the organization, to strengthen the process ofrisk control, positive innovation credit business and other aspects of the development of small and medium-sized enterprise credit business.