The Research About Prevention Of Financing Risk On Commerial Bank To Small And Micro Enterprises

Small and micro enterprise become the largest number in the market economy, the most energetic group, for the development of economy, promoting employment, social stability, improve people’s livelihood and promote innovation plays a fundamental and motivated, there’s no doubt become an important support of China’s economic and social development and the ultimate strength. Small and micro enterprise faced with financing difficulties in the process of financing, financing costs, higher financing risk, is not conducive to enterprise scale and enterprise strength ascension. Therefore, this dissertation studies the present small and micro enterprise financing risk and its prevention is of important theoretical significance and practical significance. In this paper, according to ask questions, analyze and solve problems of train of thought to arrange the article structure, firstly the author consult a large number of literature books as a foundation for theoretical basis, combined with the status quo analysis of China’s commercial Banks the status quo of small micro enterprise financing difficulties, and points out that the financing risk of risk factors, and then further analyze the influence of the small micro enterprise financing problem in our country, analysis step by step out of the risk causes of these problems, and analyzes our country commercial bank on this basis, draw lessons from in recent years the rapid development of the risk of new loans-loans for network, in the mean time, China Minsheng bank(CMBC) small and micro enterprise risk prevention measures to get some experience, combined with the actual situation in our country, from the perspective of commercial bank of our country small and medium-sized enterprises put forward for reference of how to avoid financing risk prevention measures, improve the small and medium-sized enterprises in our country the present situation of the demand for money and not easy to get. Through the study of this article, in order to targeted from the direction of the commercial Banks to small and medium-sized enterprise financing risk management advice, help to improve the ability of small and medium-sized enterprise financing risk, promote the long-term healthy development of small and medium-sized enterprises.