Credit Risk Causes Analysis And Countermeasure Research Of Commercial Bank Of Small And Medium-sized Enterprises In China

Small and medium-sized enterprises (SME) is very important to the development of national economy in China,is an important part of economic development.However, due to the variety of internal and external factors, SME credit risk is highlight.According to the analysis of SME credit risk situation and the causes of credit risk, this paper is mainly to propose a series of feasible solutions.Firstly, this paper analyzes the present development situation of SME in China.At the same time, through the comparison of several major financing channels of SME, we may understand that SME have a great demand of loan;meanwhile the network financing develops rapidly but the condition is grim.So Commercial Bank is still the chiefly credit financing channel of SME.One step further, through the quantitative model, a selective analysis of credit financing of SME and an explanation of commercial bank’s credit motivation have been mad. Secondly, analyzed the status and variety causes of SME credit risk, not only including the external risk of financial circumstance and the internal factors of banks,but also include the factors of SME itself. Six countermeasures has been expounded in the end of this paper, hope it can demystify the train of thought of controlling credit risk of SME. A better and faster development of commercial Banks and SME can be facilitated.