| In recent years, commercial banks in the establishment of SME credit risk management has made certain achievements, however, there still exist many problems and deficiencies, such as the internal credit rating system targeted is not strong, the loan risk pricing mechanism is not scientific, risk early warning and information feedback mechanism is not perfect etc.. Through objective analysis, the article thinks, the existing problems and shortcomings in the commercial bank loans to small and medium-sized enterprises in credit risk management is caused by small and medium enterprises, commercial banks and Guarantee Corporation and other common causes.In this paper, the main risk of commercial bank credit to small and medium enterprises at present from three aspects, enterprise, bank and Guarantee corporation. The causes of the credit risk of commercial banks and small and medium sized enterprises. First reason is based on information asymmetry, followed by the mechanism of the existing banking and SMEs credit inadaptability.The main conclusion of this paper is, put forward the countermeasure to the small and medium-sized enterprise credit risk control from the perspective of commercial banks:one is to improve the scientific evaluation before loan, the maximum resolution and information asymmetry risk enterprises. Concrete operation can improve SME rating system, improve the credit checking mechanism, strengthen and the chamber of Commerce, association of communication. Two is to strengthen the building of the staff, reduce the information asymmetry risk commercial banks and employees. Three is to straighten out the innovation mechanism, effective defuse the risk from enterprise management. Mainly includes the innovation of bank profit mode of operation, the banking business model innovation as well as bank products and services innovation. Four is to strengthen their credit mechanism, improve the adaptability and the small and medium-sized enterprise credit. We must establish an effective early warning mechanism, and strengthen the post loan management mechanism. Five is to strengthen the management to the Guarantee Corporation, to reduce the risk from the Guarantee corporation. Including the Guarantee Corporation to strengthen cooperative access system specific operations, strengthen Guarantee Corporation after security management. |
