Small And Medium-sized Enterprise Loan Risk Recognition And Control Research Of C Bank

In recent years, with the development of business of small and medium-sized enterprises,small and medium-sized enterprises play a more and more important role in the economicoperation, especially in the creation of employment opportunities, active market, play adecisive role on the adjustment and optimization of industrial structure, promoting economicgrowth. In recent years the country has high degree of attention to the development of thesmall and medium-sized enterprise development, and issued a series of supporting SMEpolicy to promote SMEs technological innovation and industrial upgrading, commercialbanks also will be small and medium-sized business as a strategic business important, thebanks internal assessment of the KPI system, and has launched a series of small andmedium-sized enterprises financing products, which eased the financing difficulties of SMEsto a certain extent. But because natural immunity exists in the risk of small and medium-sizedenterprises to compete on the shortcomings, led to banks in the small and medium-sizedenterprise business development and risk control will grasp the equilibrium point is not a verygood both.In the paper, I combined with my years of bank credit and risk management practices,first introduced the C bank small and medium-sized enterprise current loan businessdevelopment and the status of assets, from which we can learn the recent bank financing ofsmall and medium enterprises is increasing, product varieties are constantly expanding, butdevelopment is also facing the risk management pressure greatly; and from the three aspectsof small and medium-sized enterprises, banks and Guarantee corporation financing C SMEbanking risks, and further to analyze the causes of the risk, can be seen from the small andmedium-sized enterprise has ability to resist the operation management in the process ofvarious non-standard and its relatively low the risk, and the bank itself is not a separate set ofcompletely divorced from the risk management of large and medium-sized enterprises and thepure application SME risk management standard system, so the bank risk identification andmonitoring of small and medium-sized enterprises can not really fit the objective reality, inview of this, the paper finally, bank loans to small and medium-sized enterprise risk controlmeasures, including the scientific evaluation to improve before loan, perfect the internalcontrol system, perfect Management mechanism of credit and straighten out the innovationmechanism and other measures.