A Study On The Risk Evaluation Of Small And Medium - Sized Enterprises' Loan Project By Laos Commercial Bank

Laos since reform and opening up, economic development is gradually moving towards the right track emerged in a number of excellent enterprises. These enterprises have made great contributions to promoting Laos’s economic development and social construction. Enterprise is the cell of society and economy, the development of enterprises is the main power of economic development. In these outstanding enterprises, the part that is from the small and medium-sized enterprises gradually evolved. According to statistics, the number of small and medium-sized enterprises accounted for the total number of Laos95%enterprises, SMEs have become an important part of the economy of Laos.In recent years, small and medium enterprises are constantly emerging, Laos is booming, many SMEs have encountered the problem of financing. It is difficult for SMEs to issue stocks or bonds in the form of financing, the main financing channels or to banks and other financial institutions to apply for a loan. This one also encountered some problems; the most prominent problem loan approval contradiction is between banks and sums. The small and medium-sized enterprises with Laos by industry and size characteristics typically do not meet conventional lending standards banks. This leads to the results of two aspects:first is the banks it is difficult to judge the Laos in small and medium sized enterprises operating conditions, resulting in the examination and approval procedures are not standardized, thereby increasing the risk of the formation of bad loans; the second is to apply for many small and medium-sized enterprise loan is difficult to Laos approved by.The paper first analyzes the research background and research significance, and the related research status at home and abroad and the related theory review the corresponding summary. This combined with the actual analysis of the characteristics, analysis and evaluation of various risks of methods advantages and disadvantages and applicable scope.Then, through analysis of the characteristics of scale operation specification Laos of commercial banks and small and medium-sized enterprises of the industry in Laos, selected establishes a set of index system for commercial bank loans to small and medium-sized enterprises in Laos project risk evaluation, the index system consists of three levels of the index composition, from macroscopic to microscopic to Laos various aspects of small and medium sized enterprises the description. Then, the weight of each level index was determined by analytic hierarchy process, using the method of fuzzy comprehensive evaluation and risk factors scoring model the risk indicators on Laos SMEs to judge, and finds out the causes, and improve supervision of a step to a post.The feasibility and scientific nature of the sets of commercial bank loans to small and medium-sized enterprises in Laos project finally, through case analysis of formal verification in practical operation. At the same time according to the system proposed to further promote and perfect the commercial bank loans to small and medium-sized enterprises project in Laos, the parties need to do to improve and work direction.