Research Of Commercial Banks On The Small And Medium-Sized Enterprises Credit Risk Management

Since reform and opening, China’s economic structure has changed from public domination develop into a non-public ownership economy as the mainstay of the situation, at the same time, SMEs(Small and Medium Enterprises) are also developing rapidly to become the main force in solving the employment problem as to promote steady and accelerating development, promote social harmony and indispensable force,Support the development of SMEs, it is China’s economic structure adjustment and economic growth pattern only way.However, large enterprises and different SME customers of commercial banks in the total number of customers in a very low proportion. Mainly due to information asymmetry SMEs, their private information, which makes the bank had to spend a lot of manpower and material resources to the collection and screening, coupled with weak anti-risk ability of SMEs as a whole, banks develop more stringent loan conditions and more red tape, artificially increasing the transaction costs, while ex post monitoring costs are also much higher than the large enterprises, making the SME credit business compared with large enterprises have a greater difference.Therefore, banks in expanding SME lending business, improve bank credit structure, increase bank risk-resisting ability, establish ancillary risk management system to effectively control SME credit risk, it has a very important practical significance.This standing commercial bank angle, the use of asymmetric information theory, combined with the actual case, the SME credit risk management of the entire process of analysis, that the domestic commercial banks to establish specialized SME credit risk management system and banks in developed countries with ratio is not mature, professional quality of bank SME loan officers to be improved, the bank’s internal control system is not perfect, the SME problem of asymmetric information has not been effectively addressed. Paper presents some of the commercial banks to enhance the level of SME credit risk management measures, including the establishment of SMEs improve information disclosure system and third-party evaluation unit system, commercial banks should build rationalize the organizational structure, optimize business process management has strengthened the compliance staff consciousness and so on.