Research On Risk Management Of SME Lending Of Bank Of China S Branch

SME as the important economic activity in the body, has been a major force in China’s economic development. SME not only in taxation, employment has a prominent contribution. Promoted by the economic globalization, some SMEs’ management capacity has increased, technological innovation capability has increased, Get more and more attention by the State. But financing has been one of the important factor which restricting the development of SMEs. Bank loans become the main means of SMEs financing. How to control the risk of commercial bank lending to SMEs is of great significance.This paper analyzes the risk of loans to SMEs in light of author’s working experience in Bank of China S Branch, points out the principal risks of SMEs loan in bank, and studies the causes for the formation of these risks. Finally, make some constructive suggestions in order to improve the S branch of SME loan risk management situation. And to promote the SME lending of S branch develop healthy and rapid.The paper includes three divided parts. The first part is to introduce the research background and significance, as well as current research status at home and abroad on the subject. The second part introduces concepts related to loans to SMEs, and in-depth analysis of the type of SMEs loan risk and risk control methods. The third part is analyzes the SME loan risk management problems of S branch through analysis and research the SME business of S branch. For the backwardness of internal organizational and credit management system, the paper improves the bank’s internal organizational structure. Including the establishment of SME business center, set up specialized teams and the promotion of credit factory mode, thus improving the efficiency of post-lending incident handling, stability team staffing, so that the bank’s internal organizational structure will be more perfect. By improving the risk of the loan before the survey and post-loan management system construction program to solve SME loan risk control mechanisms are inadequate, risk control will always run through loans. In order to solve the over-reliance on traditional fund management model and way of security issues, made for different types of businesses by way of security and personalized solutions for post-loan management mode.