The Research Commercial Banks To Small And Medium-sized Enterprise Credit Risk Management

Enterprise credit risk management is a bank credit management is an important componentof the credit risk guard against and defuse the important means. Although the Small andMedium-sized enterprise (hereinafter referred to as the SMSs) in the national economy occupiesan important position, however, they have been influenced by the "financing difficult"worry,SMSs development’s biggest bottleneck is financing. Especially the state-ownedcommercial Banks tend to maximize profits, and SMSss in the face of this kind of enterprisecredit application, always due to SMSs itself characteristics bring a series of risks, and make it tothis kind of financing request often give up easily. As has been SMSs and between the Banks hasbeen facing a dilemma, vicious cycle spin, makes theSMSs loan to more difficult. The currentour country commercial bank for SMSs loan business universal existence bad credit assets is onthe high side, the risks of the larger problem, severe weakened the competitiveness ofcommercial Banks and endanger the existence and development of commercial Banks, havecaused the social attention. Strengthen the SMSs credit risk management, improve the quality ofloan assets, to reduce the non-performing loan ratio become the commercial Banks face anurgent and arduous task.This paper using sampling survey get103small business loan application financial indexdata from2010-2011years and business owners survey data as the foundation risk index, the riskfactors of don’t. And by using Logistic probability criterion regression model, the SMSs loan riskevaluation, the establishment of a more suitable for the SMSs credit risk identification andevaluation model for risk control decision support. Finally in risk identification and evaluation ofthe basis, the author from the organization structure, institutional environment and technologyenvironment, personnel control and loan process five aspects of SMSs in the commercial bankcredit risk control strategies were studied.In the research, first of all, this article from the commercial Banks of the actual businessdata this paper, we study the special suitable for SMSs credit risk beforehand control of creditevaluation index, ensure the authenticity of the data. Make research theme, more persuasive andoperability. Secondly, based on the research methods on the innovation, using theoretical andempirical combination method and in combination with the latest data and actual situation ofsome model to improve research. In addition,SMSs in the commercial bank risk control shouldbe special need strengthened respect the author puts forward his own ideas, and put forwardsome according to the SMSs credit risk control of the new strategy.