Study On The Credit Risk Management Of Small And Medium-sized Enterprises Loan In Xiaoshan Branch Of Pingan Bank

Small and medium-sized enterprises(SMEs) loan financing problem is a major problem during the current Chinese economy. For commercial Banks, given the commercial bank credit is a rare opportunity and also faces a huge risk. Research of this paper is to through the case study, namely, Xiao shan branch in Pingan bank as the object, Xiaoshan branch bank loans to SMEs, analyses reveals the causes and forms of loan risk, combined with the current risk management and control method to effectively enhance.First, Xiaoshan branch of Pingan bank loans to SMEs shows that the loan project mostly concentrated in the regional industry, SMEs financing costs significantly higher, and credit condition of bank loans to SMEs is too harsh. Secondly, the author of the risk of bank loans to SMEs are evaluated, including legal and compliance risk, financial risk and operation risk, etc., have confirmed the thesis of this loan risk is too high. Meanwhile, further study on why Pingan Xiaoshan branch bank for SMEs loan risk will be too high. By five-level taxonomy and VAR to analyze the credit risk of Xiaoshan branch, Xiaoshan branch can affect several aspects of SMEs credit risk split. For the SMEs loan, enterprise scale is too small, insufficient funds, the system is imperfect, unethical behavior, five aspects of th e high cost of financing; For Banks, high loan risk caused by the reason mainly lies in information asymmetry, touch(mass) and credit business management is not standard, unregulated and loan approval ratings version as well as standard personnel factors, government behavior, etc. Meanwhile, further elaborated the Bank of some specific control measures, specifically divided into three aspects of the loan before, loan, after the loan. Third, the author according to the bank’s current control measures propos ed from improving the bank’s internal management system, strengthen the loan before the review, perfect the system of credit rating of SMEs, improve the SMEs loan mortgage system, etc. for prevention and control of the upgrade. Fourth, to ensure the implementation of the strategy proposed improve loan approval staff’s service quality, strengthen post loan risk monitoring work, strengthen and other institutions of cooperation and other measures to ensure that the loan risk prevention and control mechanism to run.This paper can better reveal the problems of Xiaoshan branch bank loans to SMEs can build perfect and provide a good system of basic countermeasures for SMEs of bank loan risk control mechanism. From the macro, there are many similar Xiaoshan branch of bank of China, there are a lot of needs of SMEs, commercial credit loans to SMEs financing channels need to be improved. The analysis of Xiaoshan branch bank loans to SMEs, can also be used as an analysis other resources of commercial bank loans to SMEs. Therefore, this article analysis can be used as a specific method to resolve the case, also as a reference for macroscopic economic system construction.