Small And Medium Enterprise Credit Risk Management Research Of MS Bank

Loan risk is the biggest risk to the current commercial Banks,strengthen the commercial bank loan risk management has become the common goal of domestic commercial Banks.Small and medium-sized enterprise loan is an important business of commercial Banks in China,to strengthen the risk management of small and medium-sized enterprise loan,can maintain the stability of enterprise production and management,promote the development of small and medium-sized enterprise loan is both fast and good,and is beneficial to realize the nature of risk,ensure the safety of the Banks' capital.This article first is small and medium-sized enterprises in the commercial bank loan risk management related literature briefly expounded,including the definition of small and medium-sized enterprises and small and medium-sized enterprise loan risk awareness and small and medium-sized loans risk management research at home and abroad.Second is MS bank Xi'an branch as an example of the status of small business loans,to analyze its risk present situation,the further study of MS bank Xi'an branch of the main problems existing in the small and medium-sized enterprise loan risk management,and analyzes the reasons of the existence of these problems,and in view of the small and medium-sized enterprises,MS bank,Xi'an branch loan risk and its management,the problems of small and medium-sized enterprise loan risk management,put forward MS bank,Xi'an branch countermeasure,finally puts forward implementing guarantee these countermeasures and Suggestions.Strengthen the management of small and medium-sized enterprise risk not only can maintain the stability of enterprise production and management,promote the development of small and medium-sized enterprises,nice and fast,to solve the problem of financing difficulties of small and medium-sized enterprises have a positive significance.Also strong in the current profit margins shrinking commercial Banks to expand the customer base and expand business scope,the current commercial Banks to deal with the fierce competition and improve profitability also has strong practical significance.