A Research Of SPD Banks’ Control Of The Small And Medium Size Enterprises’ Credit Risks

With the rapid development of market economy, small and medium-sized enterprises in our country has become one of the most active economic sector, vigorously develop to effectively control risk and obtain high yield for the characteristics of the small and medium-sized enterprise credit business will undoubtedly become a commercial bank’s development strategy to choose express. Strengthen the small and medium-sized enterprise loan risk management, which is helpful for maintaining the stability of the production and operation of enterprises, to promote small and medium-sized enterprise loan can be both good and fast development, And to recognize risk essence, adapt to the current full of change and uncertainty of the macro economic environment, guarantee the safety of the bank funds. Also the response of the government to support small and medium-sized enterprise development called for, and implement the scientific concept of development, and achieve one’s own body is the inevitable requirement of sustainable development. Shanghai pudong development bank have been dedicated to the service for the enterprise, but the small and medium-sized enterprise credit risk control, there are some problems, is an urgent need to study the subject, and only the establishment of the real effective credit risk management mechanism, Shanghai pudong development bank to better service for small and medium-sized enterprises.This paper from the related concept and theory to, this paper introduces the commercial bank credit risk, credit risk management concept connotation, and discusses the information asymmetry narrow credit rationing theory, relational loans, credit risk control method and basic theory, and then, using the method of combining theory with practice analysis of the Shanghai pudong development bank credit business of small and medium-sized enterprise development present situation and the risk management status, it is thought that the small and medium-sized enterprise loan amounts on the rise, the bank made a contribution to the development, the bank has taken a series of risk management measures, but the small and medium-sized enterprise credit risk control is still in a lot of problems, and on this basis, the author puts forward Shanghai pudong development bank at present in the decision-making mechanism is not reasonable, risk control concept not science, credit system execution dreadful, credit management mechanism is not reasonable, measurement method is not reasonable, staff need to further improve the quality and other issues, and causes of the problems are mainly enterprises, Banks themselves, external environment and so on three aspects of factors, finally, the author puts forward the decision mechanism, carry out the implementation of credit system, perfect the risk inspection system, innovation risk management system, strengthen the credit personnel training countermeasures.