Pricing Method And Risk Management Of The Small And Medium Enterprise Loan In Construction Bank Branch Of A

Strengthening the small and medium enterprise business research has become atop priority at the Banks, and the research of the credit risks and return of the smalland medium-sized enterprise come to be an important segment of the loanmanagement.Based on the Construction Bank branch of A, this article first details the currentsituation and shortcomings in risk management and pricing management of the smalland medium enterprise. The Construction Bank branch of A has set up the riskmanagement system and pricing management system, but there are weak links inthem.Then, the article analyses why there are so many problems in the riskmanagement and pricing management. First it points out the business characteristicsof the small and medium-sized enterprise, including financial strain, mostly relyingon the market, low ability of earning and against the risk, higher fixed cost, the lackof high-quality talents, short going concern and high probability of exit market. Thenit analyses why the problems exit, which in risk management are most of theemployees haven’t formed the correct risk management concept, the lack of acomplete evaluation, marketing and incentive mechanism, difficult furtherinvestigation, weak internal control system, the lack of systematic research to macropolicy and industrial policy and the lack of information supporting credit decision andwhich in pricing management are the incomplete small and medium enterprise pricingsystem, the lack of independent pricing management department, the incompleteinformation system for pricing management and the unscientific pricing method.Then through two examples， the article describes the research method andpricing method of the loans truly. Finally， combined with the pricing system of the Construction Bank branch ofA at present， the article studies the problem of the risk and income of small andmedium enterprise and puts forward two kinds of models of loan pricing. And it putsforward relevant countermeasures and suggestions at the end.