Analysis Of The Benefits And Risks Of China’s Small And Medium-sized Enterprise Credit

In recent years, the domestic and international economic environment is complicated, the global economic recovery continues to sputter, China’s economic growth slows down, the economic operation into the new state. At the core of the economic activity center entities-bank, in the new state both business expansion and credit management are facing the severe impact. Especially in the past ten years, the loan credit risk prevention and control, China’s banking industry in the rapid growth after the customer management are obscured by the high-speed growth, scale and short-term profit is the biggest competitiveness. But at the present stage, the banking industry in the new economic state has had to credit risk control to view, and to strengthen the construction of internal risk control system, party for the lasting development of the road. On the other hand, the economy of new state, small and medium-sized enterprise management has been a greater impact, forced to accelerate the transformation and upgrading of small and medium-sized enterprises oriented,to become the capital of the bank is more urgent, it also exacerbated the game between the bank risk management and the financing needs of SMEs.In the regional branch of a commercial bank (hereinafter referred to as Bank A) the basic fact data obtained in the analysis of asymmetric information, in addition to the traditional and increased bank examination and supervision cost and other reasons, the current average non-performing loan rate of medium and small enterprise is much higher than that of large enterprises, and presents an increasing trend, the small and medium-sized enterprise credit risk is high which is main causes of scale control from bank.Development situation of A in this paper for SMEs credit business, uses the theory to elaborate and the case analysis model from the perspective of bank, causes of SME financing, benefits and risks of credit business for small and medium enterprises analysis in-depth interpretation of the actual situation, the new normal bank, this paper tries to explore the risk through the analysis benefit game of banks and small and medium-sized enterprise system and mode of risk control of banks.The author combines the theoretical research and empirical combination of application, based on the theory of financing with small and medium-sized enterprises, for Bank A’s small and medium enterprises analyzing comprehensively the credit business operation. At the same time, find out the main causes of SME financing in the small and medium-sized enterprise inspired credit department, financial department, the Department of risk management and other professionals in the. Combined with the characteristics of small and medium-sized enterprises, and gradually form a number of aspects suggestions. This research includes empirical also includes theoretical analysis and logical reasoning. It is a progressive research process. In order to research in this area, to provide some reference value for the future development of commercial banks’ small and medium-sized enterprise credit.