Research On Credit Risk Control Of Small And Medium - Sized Enterprises In Commercial Banks

Small and micro businesses play an important role in the development of our national economy, but the financing problem has not been effectively resolved, has become a huge obstacle that small and micro businesses development, become a world problem.The formation causes of the financing difficulties of small and micro businesses are complex, there are factors of small and micro businesses operate their own development, also has the financial institutions, the macroeconomic background, the national policy and information asymmetry and other external factors, these factors have different degree of Bank credit risk led to the loan risk, intensified the small and micro businesses financing the difficult problem.As for the commercial banks, small and micro businesses in the financial services sector, how to realize the organic balance in terms of cost, income and risk, it is critical issue.Since the reform and opening up, with the rapid development of the financial industry, commercial bank’s risk management ability has been widely concerned, wind control level has become the key to survival and development of commercial banks. And in the same small and micro businesses financial services, commercial banks how to evaluate the enterprise and business risk and prevention and control, is an important problem in need of. Research on the credit risk management problems of small and micro businesses, two aspects of development for small and micro businesses of commercial banks.This paper profits from the domestic and foreign banks in the small micro enterprise credit risk management theory and advanced experience, through theoretical origin and control of the commercial bank small micro credit risk study and research, combined with the status quo of commercial banks to small and micro businesses risk prevention and control, through the Zhejiang Tailong Commercial Bank (Referred to as Tailong commercial bank) mode of credit risk management of commercial banks as a representative of small and micro businesses, a comprehensive and systematic analysis of China’s commercial banks in the small micro enterprise financial services in the field of credit risk control problems and countermeasures. In order to small micro enterprise financial services to the commercial bank risk management help and reference, contribute to solving the problem of difficult financing of small and micro businesses.