Zhongheng Bank Of Small And Medium-sized Enterprise Loan Risk Management Research

Small and medium-sized enterprises(smes) are an important force in economic development, especially in solving the employment problem, promote the innovation in science and technology, maintain social stability harmonious plays a role that nots allow to ignore. Given the current economic situation, our government encourage commercial Banks to increase lending for small and medium-sized enterprises, commercial Banks and small and medium-sized enterprise business contact will be an important direction for the future development of commercial Banks. But considering the problem of small and medium-sized enterprise itself, there is a higher credit risk. Therefore, how to strengthen the commercial Banks of small and medium-sized enterprise credit risk management level is an important research subject.In this paper, centering on the topic for small and medium-sized enterprise credit risk in commercial bank, to zhongheng Banks as the research sample, through the present situation investigation, methods of theory analysis, build the commercial bank credit risk management research of small and medium-sized enterprises general framework. On this basis, summarizes and analyzes the zhongheng bank credit riskmanagement problems that exist in the small and medium-sized enterprises; In zhongheng bank credit risk management of small and medium-sized enterprises improve the effective countermeasures and Suggestions are put forward.This article targeted puts forward solutions to perfecting the credit risk management of small and medium-sized enterprises.(1) is to further improve and implement system of small and medium-sized enterprise credit risk prevention and control. Credit access from the enterprise to obtain, before the use of supply chain finance product positioning selection of object of small and medium-sized enterprise credit loans, improve the decision-making mechanism for the separation of approving loans after set up the whole process of risk management.(2) to help small and medium-sized enterprises to improve the ability to control the operating risk and financial risk;(3) the introduction of professional guarantee agencies to spread and transfer of small and medium-sized enterprise credit risk.