The Optimization Strategy Of Risk Control In Small Business Credit Of Domestic Commercial Banks

Both in the developed countries and developing countries, SMEs are an important part of a country’s economy, and play major role in absorbing employment, stabling society, stimulating economic. Giving active financial support for the development of SMEs, the inevitable choice of both the development of city commercial banks, but also an inevitable requirement for the development of SMEs. The traditional credit risk control system of the commercial bank has seriously limited the further growth and financing for the SMEs which need the more comprehensive credit risk control system in the commercial bank. Besides, the financial innovation and the industrial lifting have required a higher line for the credit risk control system in the commercial bank. The credit risk control of the SMEs has become one of the most important issues in the current time for the Baoshang Bank.Contractor bank small business credit risk control, it can reach a better understanding of small businesses, to tease out the elements and systems of the impact of bank small business credit risk, the Bank’s work practice and theory are more closely linked, for contractor bank’s credit risk control management methods have a great guiding significance, there is a great reference value for other commercial banks in small business credit risk control.