Research On Loan Business Risk Management Of Small And Medium Sized Enterprises

Small and medium-sized enterprises have an immeasurable role in China’seconomic structure, product innovation and employment etc.. However, in the actualdevelopment, because of the limitations of financial institutions to small andmedium-sized enterprises, the SMEs financing problem is very prominent. Study onthe small and medium-sized enterprise loan business risk, the purpose is to analyzethe management problem of the Shiyama Yamichiko branch of the loan risk, putforward the countermeasures to solve the China Construction Bank loans to small andmedium enterprises risk management problems. Because our country small andmedium-sized enterprise as a major component of China’s enterprises, it madeindelible contribution to the development of economy of our country. As a grass-rootsbank, how should carry on the loan business services to small and medium-sizedenterprises, will be able to meet the basic needs of the small and medium-sizedenterprise funds, make their own lending also maintained at a controlled within thecontext of the risk, avoid the loan business risk is too high and bring immeasurablelosses at banks. The loan business in bank controllable risk expected, the ConstructionBank of Baishan Badaojiang branch, because of the small and medium-sizedenterprise loan faces greater risk, the accumulation of Badaojiang branch of the riskmanagement ability loan business is not strong, need according to its actual loan riskmanagement that the corresponding experience, will it rise to the theoretical level.,provide corresponding guidance for loan business risk management basic bank. At thesame time, as a basic sample, loan risk management, China’s small and mediumenterprises, the existing problems, can be regarded as the main reference managementand other grassroots bank loans to small and medium sized enterprises, to help morewith the similar problems of basic bank to solve the practical problems.This study consists of five parts. The first part is the analysis of the researchbackground and significance, summarizing the development at home and abroad onthe small and medium-sized enterprise loan risk management, why to study thissubject. The theory of risk management of commercial bank loans in second parts, around the commercial bank loan risk and credit risk management, credit riskmanagement to establish theoretical structure of the research system. Early warningmanagement situation of CCB Jilin branch risk Baishan Badaojiang loans to small andmedium-sized enterprises the third part, introduces the development situation of thebranch of the loans to SMEs and to carry out the business case, reveals the existenceof loan risk management problems of small and medium-sized enterprises and thereasons of the branch. The fourth part management problems for the analysis of thesmall and medium-sized enterprise loan risk, put forward the construction of smalland medium enterprises credit rating system, improve the construction of effectiveSME loan risk early warning system, improve the SME loan guarantee environment.The Last part is the conclusion, mainly on the research summary, analysis theapplicability and limitations of this research.